9 Tricks to Save on Chevy Express 1500 Insurance

Have you fallen victim to an overpriced car insurance policy? Trust us, many consumers feel financially strained by their car insurance policy. There is such a variety of insurers to insure vehicles with, and even though it’s nice to be able to choose, having more insurers makes it harder to compare rates and find the lowest cost car insurance.

It’s a good habit to compare prices quite often because rates are adjusted regularly by insurance companies. Even if you think you had the best deal on Express coverage on your last policy you can probably find a better price now. There is a lot of bad advice regarding car insurance online, so I’m going to show you some guaranteed methods to find cheap car insurance.

Cut your car insurance rates with these nine discounts

Companies don’t always publicize all their discounts very well, so here is a list both well-publicized as well as the least known car insurance savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Discount for Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Accident Free – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.

It’s important to note that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of providers who offer car insurance discounts, click this link.

Do I need a local agent?

Some people would rather visit with an insurance agent. Professional agents can point out coverage gaps and help you file claims. The biggest benefit of comparing insurance prices online is you may find better rates but still work with a licensed agent.

To help locate an agent, after submitting this form (opens in new window), the quote information is instantly submitted to local insurance agents who will give you bids for your coverage. There is no need to even leave your home due to the fact that quote results will go to your email. It doesn’t get any easier!

Choosing an insurer needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:

  • Does the agency provide any after hours assistance?
  • Are they able to influence company decisions when a claim is filed?
  • Do they review policy coverages at every renewal?
  • Do they make recommendations based only on price?
  • Do they specialize in personal lines coverage?
  • Are claim adjusters local or do you have to take your car somewhere else?

If you prefer to view a list of agents in your state to contact, visit this site.

Upon getting answers to your satisfaction to any questions you have and an acceptable price quote, chances are good that you have found an insurer that meets your needs to insure your vehicles. insurance banner

Car insurance coverages 101

Having a good grasp of car insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, a broken windshield and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

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 policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Coverage for collisions

This coverage pays for damage to your Express 1500 resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, colliding with a tree, crashing into a building, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Express 1500.

cheapest Chevrolet Express 1500 insurance

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for EMT expenses, nursing services and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Best coverage at the best price

As you shop your coverage around, never reduce needed coverages to save money. In many cases, drivers have reduced collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the best price.

Lower-priced Chevy Express 1500 insurance can be bought online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

In this article, we covered quite a bit of information on how to lower your Chevy Express 1500 insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with some of the smallest insurance companies. These companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.