1998 Chevrolet Express Car Insurance Quotes – 7 Ideas for Cheapest Rates

Paying for high-priced Chevrolet Express insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.

Big companies like State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should take the time to shop coverage around occasionally since rates change frequently. Even if you got the best deal on Express insurance six months ago the chances are good that you can find a lower rate today. Don’t believe everything you read about car insurance online but by reading this article, you’re going to learn some great ways to save money.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this information. Choosing the best insurance company for you is not rocket science. Although car owners benefit from understanding the methods companies use to market on the web because it can help you find the best coverage.

How to reduce Chevy Express insurance rates

Auto insurance companies don’t necessarily list all available discounts very well, so we took the time to find some of the best known and the harder-to-find car insurance savings.

  • Accident Free – Drivers who don’t have accidents pay much less compared to bad drivers.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Low Mileage – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Defensive Driver – Completing a defensive driving course can save you 5% or more if you qualify.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Express insurance with certain companies.

Drivers should understand that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, car insurance companies aren’t that generous.

Insurance companies that may have these benefits are:

Check with each company how you can save money. All car insurance discounts may not be available in your state.

Quick Insurance Coverage Quotes

There are multiple methods you can shop for 1998 Chevy Express insurance coverage and some are easier and takes less work. You can waste a lot of time driving to agents in your area, or you can utilize the web to get pricing more quickly.

Most of the best insurance companies take part in a program that enables customers to complete one form, and at least one company then returns a price quote based on that data. This system prevents you from having to do form submissions to each individual insurance coverage company. To compare 1998 Chevy Express rates now click here to open in new window.

The only drawback to using this type of form is buyers cannot specifically choose which companies to get quotes from. So if you prefer to pick specific providers for rate comparison, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you which method you use, but double check that you are using identical coverage limits and deductibles on every quote you get. If you have mixed coverages it will be next to impossible to make an equal comparison. Having just a slight variation in coverage limits may result in a large different in cost. Just remember that obtaining a wide range of quotes helps you find lower pricing.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • What discounts do I qualify for?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I hit my neighbor’s mailbox?
  • If my 1998 Chevy Express is totaled, can I afford another vehicle?
  • What can I do if my company won’t pay a claim?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When do I need to add a new car to my policy?
  • Am I covered when using my vehicle for business?
  • Is my dog or cat covered if injured in an accident?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance 101

Learning about specific coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for pain medications, rehabilitation expenses and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your Express from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, driving through your garage door, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, rock chips in glass, theft, vandalism and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

This will cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, pain and suffering and bail bonds. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

More choices the merrier

When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where drivers have reduced full coverage only to regret that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

You just read some good ideas how you can save on 1998 Chevy Express insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the most savings is with some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

More resources