5 Money Saving Ideas Shown to Save on Chevy Express 1500 Auto Insurance Rates

Consumers have lots of choices when looking for affordable Chevy Express 1500 insurance. They can either spend hours driving around getting price quotes or save time using the internet to compare rates.

There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the absolute fastest way to price shop coverage on a Chevy and locate the lowest price.

The purpose of this post is to help educate you on how car insurance quotes work. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Nevertheless, car owners must understand the way insurance companies market on the web because it can help you find the best coverage.

How to Lower Your Auto Insurance Cost

All the larger auto insurance companies such as State Farm, Allstate and GEICO provide prices for coverage on their websites. Getting online quotes is pretty painless as you just type in the coverages you want as requested by the quote form. After the form is submitted, their rating system obtains your driving record and credit report and returns pricing information based on these factors.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit multiple sites and complete many quote forms gets old quite quickly. Unfortunately, it is important to perform this step in order to get a lower rate.

An easier way to locate the lowest prices is to use a quote form that obtains quotes from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes price shopping online much simpler. After sending the form, it is rated and you are able to buy any one of the returned quotes.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly compare rates now, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you type in coverages and limits exactly as shown on your declarations page. Doing this guarantees you are getting comparison quotes for similar insurance coverage.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but a few need to be manually applied in order for you to get them.

• Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
• Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
• Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
• Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Express coverage than drivers with accidents.
• Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.

Consumers should know that most discounts do not apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck. But any discount will help reduce the cost of coverage.

To choose providers offering auto insurance discounts, click here.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Coverage for liability – Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, structural damage, court costs and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, falling objects, fire damage, vandalism and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage provides 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 1500.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Medical costs insurance – Med pay and PIP coverage pay for expenses like rehabilitation expenses, chiropractic care, doctor visits and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Keep this in mind

Drivers switch companies for a variety of reasons including policy cancellation, high rates after DUI convictions, delays in paying claims or even not issuing a premium refund. Whatever your reason, finding the right auto insurance provider is less work than it seems.

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The aim is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just presented a lot of techniques to get a better price on Chevy Express 1500 insurance. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with some of the smallest insurance companies.