View 2008 Chevrolet Express Insurance Rates

Looking for lower auto insurance rates for your Chevrolet Express? Did you come to the realization that you have an overpriced auto insurance policy? Believe me when I say many consumers feel financially strained by their auto insurance policy. Because there are so many choices of insurance companies, it is very difficult to pick the most cost effective insurance company.

Smart consumers take time to do rate comparisons at least once a year since insurance rates change quite often. If you had the best premium rates for Express insurance six months ago a different company probably has better prices today. There are lots of tips to save on auto insurance on the internet, but you can learn the best ways to find affordable auto insurance.

Components of your Chevy Express insurance prices

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for car insurance. When you understand what influences your rates, this enables informed choices that can earn you lower car insurance prices. Many different elements are taken into consideration when you get your auto insurance bill. Some factors are common sense such as traffic violations, although others are less obvious such as your credit history or how financially stable you are.

Shown below are some of the most common factors used by your company to calculate your rates.

  • Your address can impact price – Being located in less populated areas may provide you with better prices when talking about car insurance. Drivers who live in large cities have to deal with traffic congestion and more severe claims. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
  • Getting married is a good thing – Walking down the aisle may cut your premiums on your car insurance bill. It translates into being less irresponsible and statistics prove married drivers tend to file fewer claims.
  • Do safer cars cost less to insure? – Vehicles that have high safety ratings get lower rates. Safer cars reduce the chance of injuries and fewer serious injuries means less claims paid and cheaper rates on your policy. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Careless drivers pay higher rates – Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Having a single speeding ticket or other violation can increase rates by as much as thirty percent. Drivers unfortunate enough to have flagrant citations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to prevent their license from being revoked.
  • Proper usage rating affects costs – The more you drive your Chevy each year the more you will pay for car insurance. Many insurance companies calculate prices based upon how you use the vehicle. Cars that are left in the garage receive better premium rates than vehicles that are driven to work every day. An incorrectly rated Express may be costing you higher rates. Verify your declarations sheet properly reflects annual mileage.

How to compare free insurance coverage quotes

Finding cheap 2008 Chevy Express insurance coverage rates is pretty simple and can save money. You just have to spend a few minutes on the computer getting comparison quotes to find out which insurance company has cheaper car insurance quotes. You can get a good selection of rate quotes using one of these methods.

The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form submissions to each individual insurance coverage company. One form submission gets you coverage quotes from many national carriers.

A slightly less efficient method to analyze rates requires a visit to the website of each company and repeat the quote process again and again. For sake of this example, we’ll assume you want to compare rates from USAA, 21st Century and Farmers. You would need to spend time on each company’s site and repeatedly enter your information, which explains why we recommend starting with the first method.

For a list of links to insurance companies in your area, click here.

The least recommended method to find and compare rates is calling or driving to each insurance agency near you. The ability to buy insurance online eliminates this option unless you want the personal advice of a licensed agent. If you prefer, some companies allow you to compare online quotes but buy from a local insurance agent.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage limits and deductibles with each company. If each company quotes different values for each quote it will be next to impossible to make an equal comparison.

Ads can be misleading

Consumers can’t get away from ads for insurance coverage savings by GEICO, State Farm and Progressive. All the ads seem to make the promise about savings if you move your coverage.

How does every company say the same thing? This is how they do it.

Most companies provide the lowest rates for the right customer that will be a good risk. An example of a profitable insured should be between the ages of 30 and 50, has no prior claims, and insures a new vehicle. A driver that fits those parameters will get very good premium rates and is almost guaranteed to save a lot of money.

Consumers who fall outside these stringent criteria will be charged higher rates and ends up with business going elsewhere. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” will save that much if they switch. That is how companies can make those claims. That is why drivers should quote coverage with many companies. It’s just too difficult to predict with any certainty which company will have the best prices for your profile.

Insurance quotes and discounts

Some insurers don’t always advertise all their discounts very well, so we break down both the well known and also the lesser-known discounts that you may qualify for.

  • Auto/Life Discount – Select insurance companies reward you with a discounted insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Military Deployment Discount – Having an actively deployed family member could mean lower prices.
  • No Claim Discounts – Drivers who stay claim-free have much lower rates when compared to drivers with a long claim history.
  • Smart Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
  • 55 and Retired – Drivers that qualify as senior citizens may be able to get a small decrease in premiums for Express insurance.
  • Defensive Driver – Taking a course teaching driver safety skills can save you 5% or more if your company offers it.

Just know that many deductions do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

To view companies that offer some of these discounts, follow this link.

Situations that may require an agent’s advice

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether or not you might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage when using my vehicle for my home business?
  • When can I cancel my policy?
  • Is motorclub coverage worth it?
  • Do I have newly-aquired coverage?
  • What if I owe more than I can insure my car for?
  • Is my 2008 Chevy Express covered for smoke damage?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average auto insurance policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. 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 choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2008 Chevy Express.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, a tree branch falling on your vehicle, fire damage, falling objects and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for dental work, rehabilitation expenses, hospital visits and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as attorney fees, emergency aid, legal defense fees and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Be a money saver!

We just presented quite a bit of information on how to lower your 2008 Chevy Express insurance prices. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest priced auto insurance comes from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Budget-conscious 2008 Chevy Express insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not provide internet price quotes and most of the time these smaller companies only sell through independent agents.

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