2001 Chevrolet Express Insurance Rates
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UPDATED: Dec 13, 2021
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Average insurance rates for a 2001 Chevrolet Express are $872 a year for full coverage. Comprehensive insurance costs on average $120 a year, collision insurance costs $152, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs $1,878 or more. Teenage drivers receive the highest rates at up to $3,622 a year.
Annual premium for full coverage: $872
Rate estimates for 2001 Chevrolet Express Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2001 Chevrolet Express models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $496 for just liability insurance to a high of $1,878 for a driver that may need high-risk insurance.
These differences show why it is important for drivers to compare prices based on a specific location and risk profile, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2001 Chevrolet Express Insurance
Trying to find cheaper insurance coverage rates for your Chevrolet Express? People new to comparison shopping online could find purchasing the lowest-priced insurance coverage is not as easy as it seems.
Quick Auto Insurance Quotes
Effectively comparing auto insurance prices can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize online quotes to achieve your goal.
The majority of car insurance companies enroll in a system where prospective buyers enter their policy data once, and each company returns a rated price determined by their information. This eliminates the need for repetitive form submissions to every company. To use this form to compare 2001 Chevy Express insurance rates click here (opens in new window).
The one downside to using this type of form is you are unable to specify which insurance companies you want pricing from. So if you prefer to pick specific providers for rate comparison, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.
It doesn’t matter which method you choose, just make sure you use the exact same coverages and limits with each company. If you compare differing limits it’s not possible to make a fair comparison for your Chevy Express. Having just a slight variation in coverages can result in a big premium difference. And when comparing auto insurance rates, know that comparing more company’s prices will enable you to find better pricing.
Car insurance myths debunked
Car insurance providers like State Farm and Allstate regularly use television and radio advertisements. They all have a common claim that you can save if you move to them. How can each company say the same thing?
Insurance companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a desirable insured could possibly be between 25 and 40, owns a home, and has excellent credit. A customer who fits that profile will get the preferred rates and therefore will save when switching.
Potential insureds who do not match these standards will be quoted higher rates which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently claim big savings.
This emphasizes why you should get quotes from several different companies. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy Express insurance rates.
Save big with these six discounts
The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be asked for before they will apply.
- Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Express insurance than less cautious drivers.
- Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
- Senior Citizens – Older drivers may be able to get a small decrease in premiums for Express insurance.
- Seat Belts Save – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
- Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiring. The savings is around 10%.
A little note about advertised discounts, some of the credits will not apply the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.
For a list of insurers offering insurance coverage discounts, click this link.
Free Auto Insurance Comparison
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But I don’t know anything about car insurance
When it comes to choosing the best auto insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.
For instance, these questions may help highlight if your insurance needs might need professional guidance.
- Should I drop comprehensive coverage on older vehicles?
- Should I have combined single limit or split liability limits?
- Are my friends covered when driving my car?
- What is UM/UIM insurance?
- Will my insurance pay for OEM parts?
- How much liability do I need to cover my assets?
- Am I covered when delivering products for my home-based business?
- How many claims can I have before being canceled?
- Should I have a commercial auto policy?
- Does my policy cover me when driving someone else’s vehicle?
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.
Auto insurance coverage considerations
Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.
Coverage for liability
This coverage can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like funeral expenses, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.
Coverage for medical payments
Med pay and PIP coverage kick in for immediate expenses for things like ambulance fees, funeral costs, chiropractic care and EMT expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
Uninsured and underinsured coverage
This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Auto collision coverage
This coverage covers damage to your Express from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as colliding with a tree, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.
Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, damage from flooding and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Smart shoppers get results
Throughout this article, we presented many ideas to lower your 2001 Chevy Express insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company.
Consumers switch companies for many reasons like being labeled a high risk driver, policy cancellation, denial of a claim or even questionable increases in premium. Whatever your reason, finding a new company can be less work than you think.
When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret that it was a big mistake. The ultimate goal is to buy the best coverage you can find at an affordable rate.
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Understanding your Policy (NAIC.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
Rates by U.S. City
|New York City, NY||$1,383|
|Los Angeles, CA||$1,494|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$50|
|5-yr Claim Free||$54|
|Paid in Full/EFT||$29|
Discounts are estimated and may not be available from every company or in every state.