2015 Chevrolet City Express Insurance Quotes – 8 Ideas for Best Rates

Want better car insurance rates for your Chevrolet City Express? Pricey Chevrolet City Express insurance can overdraw your family’s budget and force you to tighten up your finances. Doing a price comparison is an excellent way to lower your monthly bill.

Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate possible.

It’s a good idea to check car insurance prices as often as possible because car insurance prices trend upward over time. Even if you think you had the lowest price for City Express coverage six months ago a different company probably has better rates today. There are a lot of ways to save on car insurance out there, but I’m going to show you some of the best techniques to slash your car insurance rates.

How to get cheap insurance coverage

Reducing your 2015 Chevy City Express insurance rates can be quick and easy. The only thing you need to do is take a few minutes to get quotes to find. You can get a good selection of rate quotes using one of these methods.

1. If you don’t have a lot of time, the easiest way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate forms for every insurance coverage company. In just a few minutes this one form will get you price quotes from several companies.
2. Another way to shop for insurance coverage online consists of going to the website for every company you want to comare and request a quote. For examples sake, we’ll pretend you want to view quotes from Geico, Safeco and Progressive. To find out each rate you need to navigate to each company’s site and type in your information over and over, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.
3. Even if you have time, the least recommended method to find cheaper rates is actually driving to local insurance agencies. Comparing rate quotes online eliminates this option unless you require the personal advice that only a licensed agent can provide. However, consumers can find lower rates online but have your policy serviced through an agent.

It’s up to you how you get prices quotes, just ensure you’re using identical coverage information for each price quote. If each company quotes higher or lower deductibles it will be impossible to determine which company has the best rates.

Take advantage of every insurance discount

Insurance can cost an arm and a leg, but there could be significant discounts that many people don’t even know exist. Many discounts should be triggered when you complete an application, but a few must be inquired about before they will apply.

• Anti-theft Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Government Employee Discount – Federal government employees could cut as much as 10% off for City Express coverage depending on your company.
• Multi-line Discount – Larger insurance companies have a break if you buy some life insurance too.
• Student Discounts – Being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
• Switch and Save Discount – Select insurance companies give a discount for switching companies prior to the expiration date on your current policy. This discount can save up to 10%.
• Discount for Passive Restraints – Options like air bags or automatic seat belts may get savings of up to 25% or more.
• Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for City Express coverage than less cautious drivers.
• Discount for New Cars – Buying a new car model may earn a small discount due to better safety requirements for newer vehicles.

Don’t be surprised that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

Companies and their offered discounts are detailed below.

• Travelers may have discounts that include good student, save driver, hybrid/electric vehicle, multi-policy, and IntelliDrive.
• 21st Century offers premium reductions for good student, driver training, defensive driver, theft prevention, and anti-lock brakes.
• State Farm offers discounts for driver’s education, good student, multiple policy, student away at school, anti-theft, and multiple autos.
• Geico may include discounts for membership and employees, five-year accident-free, air bags, multi-vehicle, and daytime running lights.
• SAFECO may offer discounts for drive less, anti-theft, teen safe driver, anti-lock brakes, and bundle discounts.
• AAA includes discounts for multi-car, pay-in-full, multi-policy, anti-theft, AAA membership discount, education and occupation, and good driver.

Double check with all companies you are considering to give you their best rates. Some discounts listed above might not apply everywhere. To find providers with significant discounts, click here to view.

How to know if you need help

When buying the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

• Am I better off with higher deductibles on my 2015 Chevy City Express?
• If my pet gets injured in an accident are they covered?
• Am I covered if I hit a deer?
• Do I have any recourse if my insurance company denies a claim?
• Do I really need UM/UIM coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Should I have a commercial auto policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance coverages explained

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.

Collision insurance

Collision coverage covers damage to your City Express from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Chevy City Express.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, emergency aid, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, fire damage, rock chips in glass and hitting a deer. The most 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 it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as hospital visits, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

Some insurance providers may not provide rate quotes online small insurance companies only sell coverage through independent agencies. Cost effective 2015 Chevy City Express insurance is attainable from both online companies as well as from insurance agents, so compare prices from both to get a complete price analysis.

We just presented some good ideas how you can lower your 2015 Chevy City Express insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper car insurance. Drivers may discover the most savings is with a lesser-known regional company. These smaller insurers can often provide lower car insurance rates in certain areas than their larger competitors like Progressive or Geico.

Additional detailed information can be read in these articles:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• Understanding Car Crashes Video (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Teen Driving Statistics (iihs.org)