Cheaper 2013 Chevrolet Express Insurance Quotes

Trying to find cheaper auto insurance rates? Buyers have a choice when searching for affordable Chevy Express insurance. You can either waste hours struggling with agents getting price quotes or use the internet to find the lowest rates. There is a better way to compare auto insurance rates so we’re going to tell you the best way to quote coverages for your Chevy and find the cheapest rates from local insurance agents and online providers.

Consumers need to price shop coverage every six months because prices are variable and change quite frequently. Just because you had the lowest rate on Express insurance two years ago there may be better deals available now. There is a lot of bad advice regarding auto insurance out there, but in just a couple of minutes you can learn some proven techniques to find cheap auto insurance.

How to get insurance quotes

Finding cheap 2013 Chevy Express insurance rates can be relatively painless. Drivers just need to take a couple of minutes comparing free insurance quotes online from several insurance companies. Comparing prices online can be done by using one of the methods below.

  1. Probably the best way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form saves time by eliminating repetitive form submissions for each price estimate. One form compares rates from all major companies. This is by far the quickest method.
  2. Another way to shop for insurance online requires visiting each individual company website and complete a new quote form. For examples sake, let’s assume you want to compare Auto-Owners, Liberty Mutual and GEICO. To get rate quotes you would need to spend time going to each site individually and repeatedly type in your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you are using equivalent coverage information for every company. If your comparisons have different data you can’t possibly truly determine the lowest rate.

Discounts can really help lower premiums

Insurance coverage can be pricey, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but a few must be requested specifically before you get the savings.

  • Theft Prevention Discount – Vehicles that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a simple method to lower premiums on your next renewal.
  • Smart Student Discounts – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Own a Home and Save – Being a homeowner can earn you a little savings due to the fact that maintaining a home requires personal responsibility.
  • Multi-Vehicle Discounts – Drivers who insure multiple vehicles with the same insurance coverage company can get a discount on all vehicles.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on medical payment and PIP coverage.
  • Discounts for New Vehicles – Buying a new car instead of a used car can get you a discount because new vehicles have to meet stringent safety requirements.
  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.
  • E-sign – A few insurance companies will give you a small discount for buying a policy and signing up on the internet.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.

Just know that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you can get free auto insurance, you’re out of luck.

Popular insurance coverage companies and some of their more popular discounts can be found below.

  • State Farm offers discounts including multiple policy, safe vehicle, anti-theft, student away at school, defensive driving training, and good driver.
  • Farmers Insurance may have discounts that include distant student, mature driver, good student, teen driver, and early shopping.
  • Progressive includes discounts for homeowner, continuous coverage, online quote discount, good student, and online signing.
  • GEICO policyholders can earn discounts including multi-vehicle, anti-lock brakes, daytime running lights, military active duty, air bags, and good student.
  • Auto-Owners Insurance offers premium reductions for anti-lock brakes, mature driver, teen driver, multiple vehicles, air bags, safe driver, and company car.
  • The Hartford may include discounts for driver training, anti-theft, defensive driver, vehicle fuel type, and air bag.
  • Farm Bureau may offer discounts for youthful driver, 55 and retired, safe driver, driver training, good student, and multi-policy.
  • USAA offers discounts for safe driver, defensive driver, family discount, multi-policy, and good student.

When quoting, ask each company or agent to apply every possible discount. All car insurance discounts may not apply to policyholders in your area. If you would like to see a list of companies that can offer you the previously mentioned discounts, click here.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help highlight whether you could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my nanny covered when driving my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why do I need rental car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered if I hit my neighbor’s mailbox?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Smart buyers save every year

Part of the insurance buying process is learning some of the things that play a part in calculating the rates you pay for insurance. If you have a feel for what controls the rates you pay, this allows you to make good choices that can earn you cheaper rates. Many factors are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving history, but other criteria are less obvious such as whether you are married and annual miles driven.

Listed below are most of the major factors that factor into your premiums.

  • Do you qualify for a multi-policy discount? – Many insurers will award discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to get quotes from other companies to verify if the discount is saving money. It’s possible to still save even more than the discount even if you have your coverage with different companies
  • Always keep your policy in place – Driving any period of time without insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a revoked license or a big fine. You may then have to prove you have insurance by filing a SR-22 with your state DMV.
  • Location can influence price – Choosing to live in a small town may provide you with better prices when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accident claims and a lower car theft rate. Urban drivers regularly have more road rage incidents and longer commute times. More time behind the wheel means higher likelihood of an accident.
  • Do you have a demanding job? – Did you know your occupation can influence how much you pay for insurance? Jobs like real estate brokers, executives and stock brokers are shown to have higher premiums than the average policyholder in part from job stress and lots of time spent at work. On the other hand, professions such as actors, engineers and performers pay lower than average rates on Express insurance.

Save $417 a year. For real?

Consumers can’t get away from all the ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. All the companies make the point that people will save if you move your coverage to them.

That’s great but how can every company charge lower premium rates? Here is how they do it.

Most companies have strict underwriting profiles for the type of driver that is profitable for them. An example of a driver they prefer may be between the ages of 30 and 50, owns their home, and does not commute to work. A customer that hits that “sweet spot” will get very good premium rates and will save a lot of money.

Drivers who do not meet those criteria will be charged higher prices with the end result being the customer buying from a different company. If you pay attention, the ads say “people that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can confidently make claims that they all have the best prices. Because every company is different, it is so important to quote coverage with many companies. It’s not possible to predict which insurance coverage company will fit your personal profile best.

Learn about auto insurance coverages for a Chevy Express

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance – This coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as attorney fees, structural damage and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Express resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, driving through your garage door, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto insurance – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, vandalism and rock chips in glass. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses for dental work, nursing services, X-ray expenses, doctor visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2013 Chevy Express.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Save for a rainy day

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. Too many times, an insured dropped liability limits or collision coverage and learned later that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

We just presented many ways to get a better price on 2013 Chevy Express insurance. The key thing to remember is the more times you quote, the better likelihood of getting inexpensive insurance. You may even discover the biggest savings come from a lesser-known regional company.

Lower-priced insurance coverage can be purchased online and from local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. Some insurance companies may not have online rate quotes and usually these regional insurance providers only sell coverage through independent insurance agencies.

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