2014 Chevrolet Express Insurance Rates

Trying to find better car insurance rates for your Chevrolet Express? Locating lower-cost car insurance on the internet can be rather difficult for vehicle owners that are not comfortable with quoting and comparing and buying car insurance over the internet. With such a large choice of companies, how can you have the ability to compare every company in order to find the best pricing?

How to compare insurance coverage rate quotes

All the larger insurance coverage companies like Progressive, Allstate and GEICO make it easy to get coverage price quotes direct online. Getting online quotes doesn’t take much effort as all you need to do is type in the amount of coverage you want into a form. Upon sending the form, their quoting system pulls information on your driving record and credit history and generates pricing information based on the information you submitted.

Online price quotes makes it simple to compare prices but the time required to go to multiple sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to get many rate quotes in order to find the lowest insurance coverage rates.

The preferred way to find cheaper rates uses just one form that gets price quotes from a lot of companies. It saves time, reduces the work, and makes comparison shopping much more efficient. As soon as the form is sent, it is rated and you are able to buy any of the resulting price quotes.

If you find a better price you can simply submit the application and purchase coverage. The whole process only takes a few minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you complete the form with coverages and limits just like they are on your policy. This way, you will receive a price comparison based on identical coverages.

Can you really save if you switch?

Companies like Progressive, Allstate and GEICO endlessly run television, radio, and online ads. All the companies tend to make the same promise that drivers will save a bundle after switching your insurance policy to them. How does each company give you a better price? This is the way they can do it.

Insurance providers give the best rates for the type of customer that makes them money. One example of a desirable risk should be between the ages of 40 and 55, carries full coverage, and insures a new vehicle. Anybody who matches those parameters will get very good car insurance rates and will probably save if they switch.

Potential customers who do not match this stringent profile will see a higher rate which results in business going elsewhere. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” can save as much as they claim. That is how insurance companies can make claims like that.

Because of these techniques, you really need to compare rate quotes every year. It’s just too difficult to predict the company that will fit your personal profile best.

You can change your insurance rates

Many factors are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving record, although others are more obscure like your vehicle usage or your financial responsibility.

  • Do you have a tough employer? – Occupations such as military personnelairline pilots and stock brokers generally have higher average rates attributed to high stress and lots of time spent at work. On the flip side, jobs like farmers, athletes and homemakers have lower than average premiums on Express coverage.
  • Females tend to cost less – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both genders are in at-fault accidents in similar numbers, but the male of the species tend to have more serious accidents. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Insurance coverage rates and age – Older, more experienced drivers tend to be more responsible, are lower risk to insure and are safer drivers.Young drivers are known to be easily distracted when behind the wheel therefore insurance coverage rates are much higher.
  • Rural vs Urban Areas – Choosing to live in less populated areas of the country is a good thing when insuring your vehicles. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. City drivers have congested traffic and longer commutes to work. Spending more time driving can result in more accidents.
  • Discounts for alarm systems – Choosing to buy a car with a theft deterrent system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings are cheaper to insure. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and cheaper rates on your policy.
  • Rates can drop if you have more than one policy – Many insurers allow lower prices to buyers that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s in your best interest to compare rates to guarantee you are still saving the most.

Lower rate quotes with discounts

Car insurance is not inexpensive, but there could be available discounts that could drop your premiums quite a bit. Most are applied at quote time, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the medical payments premium.
  • Sign Online – Many companies provide a small discount for signing up on their website.
  • Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
  • Senior Discount – If you qualify as a senior citizen, you can get a slight reduction on a car insurance quote on Express coverage.
  • Safety Course Discount – Taking part in a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
  • Drive Less and Save – Driving less could qualify for slightly better prices than normal.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your car insurance quote.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Large car insurance companies and some of the discounts are detailed below.

  • State Farm may include discounts for good student, multiple policy, multiple autos, passive restraint, anti-theft, student away at school, and Steer Clear safe driver discount.
  • Farmers Insurance may have discounts that include switch companies, business and professional, early shopping, homeowner, electronic funds transfer, multi-car, and mature driver.
  • GEICO discounts include five-year accident-free, daytime running lights, air bags, seat belt use, and anti-theft.
  • American Family policyholders can earn discounts including Steer into Savings, early bird, accident-free, TimeAway discount, and defensive driver.
  • Nationwide may offer discounts for anti-theft, easy pay, good student, Farm Bureau membership, and defensive driving.
  • Progressive has discounts for online signing, homeowner, online quote discount, good student, and continuous coverage.

When comparing rates, check with every insurance company how you can save money. Discounts may not be available everywhere. To see insurers with discount rates, click here to view.

What is the best insurance coverage?

When it comes to choosing the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your situation may require specific advice.

  • Does my insurance cover a custom paint job?
  • What are the financial responsibility laws in my state?
  • How can I get high-risk coverage after a DUI?
  • What can I do if my company won’t pay a claim?
  • Am I missing any policy discounts?
  • Am I covered when pulling a rental trailer?
  • What vehicles should carry emergency assistance coverage?
  • Is motorclub coverage worth it?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Detailed coverages of your car insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

Collision coverage will pay to fix damage to your Express resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a building, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Express.

Since many drivers 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 very important. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, vandalism, hitting a bird, hail damage and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, attorney fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for dental work, rehabilitation expenses and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Be a smart shopper

You just read some good ideas how to reduce 2014 Chevy Express insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest prices are with a company that doesn’t do a lot of advertising.

Affordable 2014 Chevy Express insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut liability limits or collision coverage and learned later that it was a big mistake. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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