Want lower insurance rates for your Chevrolet Express? Feel like you’re a prisoner to high-priced insurance? Trust us when we tell you you’re not the only one.
Insurance companies such as Allstate and Progressive persitently shower you with ads and it can be hard to see through the deception and effectively compare rates to find the best deal.
Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be asked about prior to receiving the credit.
A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will help reduce your overall premium however.
Car insurance companies that may have these benefits include:
Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in your area.
Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get big savings.
When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions can help discover if your situation may require specific advice.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Understanding the coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.
Liability insurance
This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.
Liability can pay for things such as repair bills for other people’s vehicles, legal defense fees, medical services, bail bonds and emergency aid. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.
Collision insurance
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims like driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.
Comprehensive coverages
This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like theft, hitting a bird, a tree branch falling on your vehicle, vandalism and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for medical payments
Med pay and PIP coverage kick in for expenses like pain medications, prosthetic devices, EMT expenses and hospital visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.
Low-cost 2008 Chevy Express insurance can be found both online as well as from independent agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.
Throughout this article, we presented many ways to shop for insurance online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the most savings is with a small mutual company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.
More detailed auto insurance information can be found in these articles: