Compare 1999 Chevrolet Express Insurance Quotes

Want better insurance coverage rates? Drivers have lots of choices when trying to find low-cost Chevy Express insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance coverage and you need to know the best way to get price quotes for a Chevy and locate the lowest possible price.

Factors that can influence insurance rates for a Chevy Express

Smart consumers have a good feel for some of the elements that go into determining the price you pay for insurance coverage. Knowing what influences your rates empowers consumers to make smart changes that could result in big savings.

Listed below are some of the factors used by your company to calculate premiums.

  • Optional equipment can affect rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies give discounts to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for the large, substantial claims.
  • Increase deductibles and save – Your deductibles define the amount you are willing to pay if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you are required to pay out-of-pocket, the bigger discount you will receive on Express insurance.
  • Do you qualify for a multi-policy discount? – The majority of insurers will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, you still need to comparison shop to verify if the discount is saving money. Consumers may find a better deal by buying insurance from more than one company.
  • Where you live can impact rates – Living in a rural area can be a good thing when buying insurance coverage. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have much more traffic to deal with and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Chevy Express earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Do you have enough liability coverage? – Your policy’s liability coverage is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.

The best way we recommend to compare insurance rates in your area utilizes the fact almost all companies participate in a system to give free rates quotes. The only thing you need to do is give them rating details like your education level, the make and model of your vehicles, what your job is, and whether you are married. The data is instantly provided to insurance carriers in your area and you will receive price estimates instantly.

Best discounts on 1999 Chevy Express coverage

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but a few must be requested specifically before you get the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy can qualify you for better rates on cars that stay parked.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Express insurance depending on your company.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Express insurance than drivers with accident claims.
  • Bundle and Save – If you have multiple policies with one company you may save 10% to 20% off each policy.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • Multiple Vehicles – Insuring multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you could get a free insurance coverage policy, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

A partial list of companies who might offer these money-saving discounts are:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Is my Chevy Express covered if I use it for business?
  • Do I have coverage if my license is suspended?
  • Can I afford to pay high deductible claims out of pocket?
  • Is a new car covered when I drive it off the dealer lot?
  • At what point should I drop full coverage?
  • Can I drive in Mexico and have coverage?
  • Can I still get insurance after a DUI?
  • Why is insurance for a teen driver so high?
  • When can my company non-renew my policy?
  • Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

The coverage is in the details

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses for hospital visits, surgery, pain medications and nursing services. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Express.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, sideswiping another vehicle, hitting a parking meter, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, loss of income and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Spend less. Save more.

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced physical damage coverage only to regret they didn’t have enough coverage. Your focus should be to buy enough coverage at a price you can afford.

Consumers switch companies for a number of reasons such as high prices, not issuing a premium refund, policy non-renewal and policy cancellation. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

Lower-priced 1999 Chevy Express insurance is possible from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not provide online price quotes and these small insurance companies work with independent agents.

Additional detailed information can be found at these sites: