How Much Does 2002 Chevrolet Express Insurance Cost?

Paying for high-priced Chevrolet Express insurance can overdraw your checking account and force you to make sacrifices. Comparing price quotes is a great way to tighten up your finances. Lots of auto insurance companies contend for your business, so it’s not easy to compare every company to discover the definitive best rate

Discounts are basically free money

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you purchase, but a few must be requested specifically prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Organization Discounts – Affiliation with a qualifying organization is a good way to get lower rates when buying auto insurance for Express insurance.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Double check with every prospective company what discounts are available to you. Savings might not apply in your state.

How to Lower Your Car Insurance Cost

Comparing car insurance rates can take time and effort if you don’t understand the easiest way. You could waste a few hours driving to local insurance agents in your area, or you could use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies take part in a program where prospective buyers enter their coverage request one time, and at least one company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms for each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to doing it this way is buyers cannot specifically choose the companies to receive prices from. If you wish to select individual companies to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

However you get your quotes, double check that you are using apples-to-apples coverages and limits on every quote you get. If you have higher or lower deductibles then you won’t be able to make a fair comparison for your Chevy Express.

Factors determining your Chevy Express insurance premium

Consumers need to have an understanding of the factors that go into determining insurance coverage rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get big savings.

  • A clean driving record saves money – Your driving record has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one moving violation can increase rates forty percent or more. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Your credit rating is important – Having a bad credit rating is a large factor in determining what you pay for insurance coverage. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower ratings. So if your credit can use some improvement, you could pay less to insure your 2002 Chevrolet Express by improving your rating.
  • Your age impacts your rates – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers tend to be more careless when driving therefore insurance coverage rates are much higher.
  • Equipment add-ons that lower insurance coverage rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Rates may be higher depending on your occupation – Occupations like judges, business owners and accountants are shown to have higher rates than average due to job stress and long work hours. On the flip side, professions such as actors, athletes and retirees pay the least for Express insurance.
  • One company can mean more discounts – Many insurers provide better rates to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money. You may still find better rates by buying insurance from more than one company.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions can help discover if your situation could use an agent’s help.

  • What discounts do I qualify for?
  • Do I pay less for low miles?
  • Do I need an umbrella policy?
  • Should I put collision coverage on all my vehicles?
  • Exactly who is provided coverage by my policy?
  • Do I need roadside assistance coverage?
  • Am I covered if I wreck a rental car?
  • What is medical payments coverage?
  • When would I need rental car insurance?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Learn about car insurance coverages for a Chevy Express

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane and vandalism. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This covers damage to your Express resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for 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. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as funeral expenses, emergency aid and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like ambulance fees, doctor visits, X-ray expenses, EMT expenses and nursing services. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Save for a rainy day

Cheaper 2002 Chevy Express insurance is possible online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented a lot of information how to compare insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

When shopping online for auto insurance, never skimp on coverage in order to save money. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

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