How Much Does 1996 Chevrolet Express Insurance Cost?
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UPDATED: Apr 1, 2020
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Finding lower rates for insurance coverage can seem to be hard for people who are new to buying insurance online. Consumers have so many options available that it can easily become a ton of work to compare prices.
It’s a good habit to take a look at other company’s rates every six months since insurance rates trend upward over time. Even if you got the best rates on Express insurance on your last policy other companies may now be cheaper. So just forget all the misinformation about insurance coverage because it’s time to teach you the proper way to lower your annual insurance bill.
If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Finding cheaper protection is quite easy. Nevertheless, car owners must comprehend how companies sell online.
Why you might be paying too much to insure your Chevy Express
Smart consumers have a good feel for some of the elements that help determine your insurance coverage rates. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.
- Tickets mean higher rates – A bad driving record has a big impact on rates. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Even one speeding ticket may increase your cost by twenty percent. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
- Younger drivers pay higher rates – Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers have a tendency to get distracted easily in a vehicle therefore insurance coverage rates are much higher.
- Car features impact rates – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
- Clean credit earns discounts – Credit rating is a important factor in determining what you pay for insurance coverage. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit ratings. So if your credit score can use some improvement, you could save money insuring your 1996 Chevrolet Express by spending a little time repairing your credit.
- Liability coverage is cheap – The liability section of your policy is the protection if a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
How to Lower Your Insurance Cost
Effectively comparing insurance prices can be challenging if you don’t utilize the fastest way to get free quotes. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can utilize the internet to get prices fast.
All the larger companies take part in a program that enables customers to only type in their quote data once, and at least one company provides a quote based on the submitted data. This prevents consumers from doing form submissions for each company you want a rate for.
To compare 1996 Chevy Express rates now click here to open in new window.
The only drawback to comparing rates this way is you are unable to specify which carriers you want pricing from. So if you prefer to choose specific insurance companies to request quotes from, we have a listing of the cheapest insurance companies in your area. Click to view list.
It’s up to you which method you use, but compare exactly the same coverage limits with every price quote. If your comparisons have differing limits it will be very difficult to decipher which rate is best. Quoting even small variations in coverages may result in a large different in cost. Just remember that comparing more company’s prices gives you a better chance of getting lower pricing.
Beware of misleading auto insurance ads
Companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads say the same thing of big savings after switching your coverage to them. But how can every company say the same thing? This is how they do it.
All companies are able to cherry pick for the right customer that makes them money. A good example of a desirable insured might be profiled as over the age of 50, has no prior claims, and has excellent credit. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when switching.
Drivers who fall outside these standards will be quoted higher premiums which usually ends up with business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can advertise the savings. This emphasizes why you need to get quotes from several different companies. It’s not possible to predict the company that will have the lowest Chevy Express insurance rates.
Don’t miss these discounts
Car insurance companies don’t always list every available discount very well, so we took the time to find some of the best known and also the lesser-known insurance savings.
- Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
- Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- No Claims – Claim-free drivers can save substantially when compared to bad drivers.
- Multi-policy Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
- One Accident Forgiven – A few companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
- Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Express insurance than drivers with accidents.
- Distant Student – Any of your kids living away from home attending college and do not have a car may be able to be covered for less.
A little note about advertised discounts, most credits do not apply the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.
For a list of providers with discount insurance rates, click this link.
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When might I need help?
When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.
For instance, these questions might point out if you might need professional guidance.
- Can my teen driver be rated on a liability-only vehicle?
- Do I have coverage for damage caused while driving under the influence?
- Do I need roadside assistance coverage?
- Is pleasure use cheaper than using my 1996 Chevy Express to commute?
- Can my babysitter drive my car?
- Should I sign the liability waiver when renting a car?
- Is a blown tire covered by insurance?
- Do I need higher collision deductibles?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Car insurance specifics
Understanding the coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Liability coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims such as bail bonds, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.
Uninsured and underinsured coverage
This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a parking meter, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.
Coverage for medical payments
Med pay and PIP coverage kick in for expenses such as X-ray expenses, ambulance fees, nursing services, prosthetic devices and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
More effort can pay off
As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.
Consumers who switch companies do it for any number of reasons including policy non-renewal, unfair underwriting practices, questionable increases in premium or an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.
Low-cost 1996 Chevy Express insurance is available from both online companies and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance coverage companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
More detailed insurance coverage information is located in these articles:
- Shopping for a Safe Car (Insurance Information Insitute)
- Teen Driving Statistics (GEICO)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
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