View 2006 Chevrolet Express Insurance Rates

Consumers have options when looking for the lowest priced Chevy Express insurance. They can either waste time driving around trying to get quotes or leverage the internet to compare rates.

There is a better way to shop for insurance coverage so you’re going to learn the absolute fastest way to get price quotes on a Chevy and get the best price possible from local insurance agents and online providers.

Cheap insurance rates with discounts

Auto insurance companies do not advertise all available discounts very clearly, so the list below details a few of the more common and also the more inconspicuous credits available to bring down your rates.

  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
  • Safety Restraint Discount – Buckling up and requiring all passengers to fasten their seat belts can save a little off the personal injury premium cost.
  • Government Employees – Federal government employees could qualify for a slight premium decrease for Express insurance but check with your company.
  • Telematics Discount – Drivers who agree to allow driving data collection to scrutinize driving manner remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.
  • Renewal Discounts – Select companies give a discount for buying a new policy before your current expiration date. The savings is around 10%.
  • Claim-Free Discount – Drivers who stay claim-free get the best insurance rates as compared to accident-prone drivers.
  • Responsible Driver Discount – Drivers who avoid accidents may receive a discount up to 45% for Express insurance than drivers with accident claims.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, it doesn’t quite work that way.

A few popular companies and a summarized list of policyholder discounts include:

  • State Farm may have discounts that include anti-theft, multiple autos, defensive driving training, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, and safe vehicle.
  • American Family may offer discounts for accident-free, good driver, good student, mySafetyValet, bundled insurance, defensive driver, and TimeAway discount.
  • GEICO discounts include air bags, multi-policy, defensive driver, driver training, membership and employees, seat belt use, and military active duty.
  • 21st Century has savings for 55 and older, homeowners, defensive driver, teen driver, and driver training.
  • Progressive policyholders can earn discounts including good student, continuous coverage, online signing, multi-vehicle, and multi-policy.

If you need cheap insurance coverage quotes, ask each company or agent which discounts they offer. Discounts may not be available in your area. If you would like to view insurers who offer online insurance quotes, follow this link.

Buy insurance online

There are several ways to shop for insurance, but one way is easier and takes less work. You can waste hours driving to agents in your area, or you can stay home and use online quoting to maximize your effort.

Many insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a competitive quote for coverage. This saves time by eliminating quotation requests to each individual insurance company.

To get comparison pricing now click to open in new window.

The only drawback to pricing coverage this way is you can’t choose which providers you will receive quotes from. So if you want to choose from a list of companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click to view list.

The approach you take is up to you, just make absolute certain that you use apples-to-apples coverages and limits with every price quote. If you enter differing limits it will be nearly impossible to make a fair rate comparison.

How to lower your insurance prices

Lots of things are considered when premium rates are determined. A few of the factors are predictable like your driving record, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.It’s important that you understand the factors that go into determining the price you pay for insurance. If you have some idea of what controls the rates you pay, this allows you to make good choices that can earn you cheaper rates.

  • More stress means more cost – Did you know your career choice can influence rates? Occupations such as doctors, architects and accountants generally pay higher rates than the rest of us because of intense work situations and extremely grueling work hours. On the flip side, jobs like actors, students and performers pay the least for Express insurance.
  • Bad drivers pay high costs – Having a clean driving record can have a huge impact on auto insurance premiums. Drivers with clean records have lower premiums than bad drivers. Only having one chargable violation can increase the cost of insurance by as much as thirty percent. Drivers unfortunate enough to have severe violations like reckless driving or DUI may be required to complete a SR-22 with their state DMV in order to drive a vehicle legally.
  • Liability risk factors in – The liability section of your policy provides coverage if ever you are ruled to be at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost a lot. Liability is cheap compared to other policy coverages, so do not skimp.
  • Driver age impacts premiums – Drivers with little experience are proven to be careless and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher. If you’ve ever had to add a inexperienced driver onto a policy can increase premiums substantially. More experienced drivers are shown to be more cautious, file fewer claims , and are generally more financially stable.

Tailor your insurance coverage to you

When buying proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation might need professional guidance.

  • Am I covered when delivering products for my home-based business?
  • Does my 2006 Chevy Express need full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?
  • Is a blown tire covered by insurance?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Brand name doesn’t guarantee savings

Consumers can’t escape the ads for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. All the ads state the claim about saving some big amount if you move to them.

How is it plausible that every one can claim to save you money? Here is the trick they use.

Auto insurance companies have an ideal profile for the type of customer that will most likely be profitable. A good example of a desirable risk may need to be married and over the age of 30, owns a home, and has a short commute. A customer getting a price quote who fits that profile will qualify for the lowest rates and will probably save some money.

Consumers who don’t qualify for those criteria will be quoted higher prices and ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “people who switch” not “all people who quote” will save that much if they switch. That is how insurance companies can confidently advertise the savings.

Each company has different criteria, so it’s extremely important to get a wide range of price quotes. Because you cannot predict with any certainty which company will have the best prices for your profile.

Specific coverages for a 2006 Chevy Express

Learning about specific coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for short-term medical expenses like funeral costs, chiropractic care, pain medications, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from flooding and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Liability car insurance – Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, funeral expenses, repair costs for stationary objects, court costs and structural damage. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, crashing into a building, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Have money to burn

You just read quite a bit of information on how to reduce 2006 Chevy Express insurance rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest rates are with the smaller companies.

Insureds who switch companies do it for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, extreme rates for teen drivers or even not issuing a premium refund. Regardless of your reason, finding a new company is not as hard as you think.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

More information can be read at the links below