2010 Chevrolet Express Insurance Quotes – 10 Tips to Save

Tired of robbing Peter to pay Paul to buy car insurance? You are in the same boat as the majority of other car owners.

Big companies like State Farm and Geico all promote huge savings with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

Where Can I Get Cheap Auto Insurance?

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The simplest method to compare 2010 Chevy Express insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

The fastest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This method saves time by eliminating repetitive form submissions for each company. Taking the time to complete one form will get you price quotes from auto insurance companies with the best prices.
A harder way to analyze rates requires a trip to the website for each individual company and fill out their own quote form. For instance, we’ll assume you want comparison quotes from Nationwide, 21st Century and Progressive. You would have to go to every website to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The most time-consuming way of getting rate comparisons is driving around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional advice only provided by licensed agents. However, consumers can compare the best prices online and still use a local agent. We’ll cover that shortly.

However you get your quotes, double check that you are using identical coverages on every quote you get. If you compare different values for each quote then you won’t be able to determine the lowest rate for your Chevy Express. Slightly different insurance coverages can result in a big premium difference. It’s important to know that quoting more helps locate lower pricing.

Do you qualify for a discount?

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be asked for before you will receive the discount.

Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
Discount for New Cars – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Express coverage than their less cautious counterparts.
Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Express coverage with select insurance companies.
Paperless Signup – Certain companies give back up to $50 for buying your policy over the internet.
Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more if you qualify.
Own a Home – Being a homeowner can save you money because owning a home shows financial diligence.
Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
Accident Waiver – Some insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
Resident Student – Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.

It’s important to note that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.

For a list of providers who offer insurance coverage discounts, click here.

What coverages do I need?

When buying the best auto insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

Is my cargo covered for damage or theft?
Does my 2010 Chevy Express qualify for pleasure use?
Are split liability limits better than a combined single limit?
Does liability extend to a camper or trailer?
If my pet gets injured in an accident are they covered?
How high should my uninsured/underinsured coverage be in my state?

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 don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance 101

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Comprehensive auto insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane and fire damage. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for funeral costs, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability

This can cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, repair costs for stationary objects, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

This coverage will pay to fix damage to your Express resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.