Cheaper 2008 Chevrolet Uplander Car Insurance Rates

Did you come to the realization that you have high-priced auto insurance? Believe me when I say many drivers feel the same as you. Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to find the absolute lowest rate possible.

If you are insured now or are shopping for new coverage, you can learn to find better prices and still get good coverage. Buying car insurance is not that difficult. Drivers just need to understand the proper way to shop for auto insurance online.

How insurance providers calculate Chevy Uplander insurance prices

The best way to find cheaper insurance is to take a look at the different types of things that are used to determine your premiums. If you have some idea of what influences your rates, this enables you to make decisions that may reward you with lower insurance prices. Multiple criteria are considered when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but others are more transparent such as your marital status and annual miles driven.

  • Safer vehicles cost less to insure – Vehicles with good safety scores get lower rates. Highly rated vehicles result in less severe injuries and reduced instances of injuries means less money paid by your insurance company which can result in lower premiums.
  • Drive less and get lower rates – The more miles you rack up on your Chevy in a year the higher your rate. A lot of companies price each vehicle’s coverage based on their usage. Vehicles that sit idle most of the time receive better premium rates than vehicles that are driven to work every day. Verify your insurance declarations sheet states the right rating data. Improper usage on your Uplander is throwing money out the window.
  • Certain occupations pay higher prices – Did you know that where you work can have an impact on rates? Occupations like real estate brokerspolice officers and stock brokers have the highest rates due to high stress levels and lots of time spent away from family. On the flip side, jobs such as scientists, historians and performers pay the least for Uplander insurance.
  • Big cities have higher premiums – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when shopping for auto insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. People who live in big cities tend to have more auto accidents and much longer commute distances. Higher commute times statistically corresponds to a higher accident and claim rate.
  • Don’t skimp on liability – Your insurance policy’s liability coverage will protect you if ever you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not cut corners here.
  • The higher your credit score the lower your premiums – Your credit rating will be a significant factor in determining premium rates. Therefore, if your credit score is low, you could save money insuring your 2008 Chevrolet Uplander by taking the time to improve your credit score. Insureds that have very good credit scores tend to be more responsible and file fewer claims than drivers who have lower ratings.

How much does insurance coverage cost?

Effectively comparing insurance coverage prices can take hours if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) talking to insurance agencies in your area, or you could save time and use the web to maximize your effort.

All the larger companies participate in a marketplace where insurance shoppers send in one quote, and each company returns a rated price determined by their information. This eliminates the need for quote requests for every insurance coverage company.

To access this free quoting program, click here to start a free quote.

One minor caviat to pricing coverage this way is you cannot specify which providers you want pricing from. If you wish to select individual companies to compare, we have a listing of insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but be sure you’re using the same deductibles and coverage limits for every quote you compare. If you have different deductibles it will be nearly impossible to find the best deal for your Chevy Uplander.

Do you really save 40% when you switch?

Drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. They all seem to try to convey promises that people will save if you move your insurance coverage to their company.

How can each company charge you a lower premium? It’s all in how they say it.

All the different companies have specific criteria for the driver that will generate a profit. An example of a profitable customer might be over age 30, owns their home, and does not commute to work. A driver who matches those parameters will get low premium rates and will most likely save if they switch.

Consumers who cannot meet those criteria will have to pay higher prices and this results in the customer not purchasing. The trick is to say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can truthfully make those claims. That is why it is so important to compare rate quotes every year. It’s just too difficult to predict the company that will be your best fit.

Lower rates by qualifying for discounts

Some insurance providers do not list all disounts very clearly, so the list below gives a summary of some of the best known and the harder-to-find discounts that may be available.

  • Early Signing – Some companies reward drivers for switching policies early. You can save around 10% with this discount.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new model year vehicles are generally safer.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off PIP or medical payments premium.
  • Auto/Life Discount – Some insurance carriers give a break if you buy auto and life insurance together.
  • Waiver for an Accident – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident without getting socked with a rate hike so long as you haven’t had any claims before the accident.
  • Discount for Multiple Policies – If you can bundle your auto and home insurance with one company you may save approximately 10% to 15%.

It’s important to note that most credits do not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will positively reduce the amount you pay for coverage.

Some companies who might offer some of the discounts shown above are:

If you want inexpensive car insurance quotes, ask each company which discounts can lower your rates. Discounts may not apply to policyholders in your area.

Auto insurance is unique, just like you

When it comes to buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Will my insurance pay for OEM parts?
  • Who is covered by my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • When would I need rental car insurance?
  • What is medical payments coverage?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of your car insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from car insurance companies.

Liability coverages

Liability insurance will cover damage or injury you incur to a person or their property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, court costs, medical services, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your Uplander resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, colliding with a tree, hitting a mailbox, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses such as prosthetic devices, doctor visits, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, a broken windshield, hail damage and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Uplander.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Don’t be a big spender

We just showed you a lot of techniques to save on 2008 Chevy Uplander insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper car insurance. Consumers could even find that the biggest savings come from some of the lesser-known companies. They may only write in your state and offer lower auto insurance rates than their larger competitors like GEICO and State Farm.

Some car insurance companies may not offer online price quotes and these regional insurance providers only sell coverage through local independent agencies. Lower-priced 2008 Chevy Uplander insurance can be sourced online and with local insurance agents, so you should compare both so you have a total pricing picture.

Additional car insurance information is available at the links below