2017 Chevrolet Express Insurance Quotes in 2024

Searching for the cheapest auto insurance rates for your Chevrolet Express? Cutting costs on auto insurance can seem to be nearly impossible for drivers new to online price comparisons. Consumers have so many choices that it can quickly become a chore to find a more affordable company.

You need to price shop coverage quite often since insurance prices are adjusted regularly by insurance companies. Even if you got the best price for Express insurance at your last renewal the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. Buying the lowest cost car insurance coverage is simple if you know the tricks. Although car owners do need to know the way companies price insurance differently.

Cheapest auto insurance rate quotes

To find low cost rates, there are a couple of ways to compare rate quotes from many different insurance companies. The best method to compare rates is to perform an online rate comparison. This can be done in a couple of different ways.

1. The recommended way to compare a lot of rates at once is to use a rate comparison form. This quick form prevents you from having to do multiple quote forms for each price estimate. One form compares rates from auto insurance companies with the best prices. Just one form and you’re done.
2. A slightly less efficient method to compare prices consists of visiting each company website to complete their respective quote request forms. For sake of this example, let’s say you want to compare Nationwide, Farmers and Liberty Mutual. To find out each rate you need to spend time on each company’s site to input your insurance information, which can get old fast.

Compare rates however you want, just make absolute certain that you use identical coverage limits for every company. If your comparisons have differing limits you will not be able to decipher which rate is best. Slightly different insurance coverages or limits could skew the results. Just keep in mind that more quotes will increase your chances of finding more affordable insurance.

Get cheaper car insurance with discounts

The price of auto insurance can be rather high, but you may be missing some discounts that could drop your premiums quite a bit. Many discounts should be triggered at quote time, but some may not be applied and must be requested specifically before they will apply. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

• Discounts for Multiple Vehicles – Insuring more than one vehicle on the same car insurance policy could earn a price break for each car.
• Buy New and Save – Adding a new car to your policy can save you some money because new vehicles keep occupants safer.
• Driver Training Discounts – Taking a defensive driver course could save 5% or more depending on where you live.
• Telematics Discount – Insureds that choose to allow driving data submission to analyze driving patterns by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they show good driving skills.
• ABS Braking Discount – Cars equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
• Air Bags and Passive Restraints – Factory options such as air bags may qualify for discounts of 20% or more.
• Good Student – Being a good student may save you up to 25%. Earning this discount can benefit you up until you turn 25.

You can save money using discounts, but some of the credits will not apply to the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Companies and a partial list of their discounts are included below.

• State Farm may include discounts for anti-theft, good driver, safe vehicle, passive restraint, good student, and accident-free.
• GEICO may have discounts that include daytime running lights, air bags, multi-policy, five-year accident-free, emergency military deployment, and membership and employees.
• Allstate may offer discounts for EZ pay plan discount, good payer, 55 and retired, new car, and good student.
• SAFECO offers discounts for accident prevention training, anti-theft, drive less, bundle discounts, teen safety rewards, homeowner, and multi-car.
• Farm Bureau includes discounts for driver training, renewal discount, youthful driver, multi-policy, 55 and retired, good student, and safe driver.
• Progressive offers premium reductions for online signing, homeowner, multi-vehicle, continuous coverage, online quote discount, good student, and multi-policy.
• AAA has savings for AAA membership discount, good student, multi-car, good driver, and multi-policy.

Double check with each company or agent which discounts they offer. Depending on the company, some discounts may not apply to policyholders in your area.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

• How can I force my company to pay a claim?
• I have health insurance so do I need medical payments coverage?
• Can my teen driver be rated on a liability-only vehicle?
• Is extra glass coverage worth it?
• Can I drive in Mexico and have coverage?
• Is my custom paint covered by insurance?
• Do I have newly-acquired coverage?
• How can I get my company to pay me more for my totalled car?
• What vehicles should carry emergency assistance coverage?
• Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete your zip code.

Insurance policy coverages for a 2017 Chevy Express

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy Express.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for liability – This coverage will cover damage that occurs to other people or property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as bail bonds, repair costs for stationary objects, funeral expenses, medical services and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, hitting a deer, rock chips in glass and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like nursing services, funeral costs, doctor visits, pain medications and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

At the end of the day…

The cheapest 2017 Chevy Express insurance can be found online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer online rate quotes and many times these smaller companies work with independent insurance agents.

Consumers change insurance companies for a number of reasons such as delays in responding to claim requests, high prices, not issuing a premium refund or poor customer service. Whatever your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

We’ve covered quite a bit of information on how to lower your 2017 Chevy Express insurance prices. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the best prices are with some of the lesser-known companies.