How Much Does 2002 Chevrolet Express Car Insurance Cost?
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UPDATED: Apr 2, 2020
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No one in their right mind likes having to buy auto insurance, especially when they are paying too much. Multiple auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest price
It’s a great practice to shop coverage around quite often since rates trend upward over time. Despite the fact that you may have had the best rates for Express coverage a few years ago you may be paying too much now. So block out anything you think you know about auto insurance because it’s time to teach you how to quote online to save on auto insurance.
If you have insurance now or are just looking to switch companies, you can use these tips to cut your premiums while maintaining coverages. Choosing the best insurance company for you is quite easy. Drivers just need to learn the proper methods to buy insurance on the web.
Chevy Express insurance premiums are calculated by many factors
It’s important that you understand the rating factors that play a part in calculating insurance coverage rates. Knowing what impacts premium levels enables informed choices that can help you get better insurance coverage rates.
Shown below are a few of the “ingredients” insurance coverage companies consider when setting your rates.
- Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safer cars result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Chevy earned at least four stars on Safercar.gov it is probably cheaper to insure.
- How many coverages with the same company – Most companies will award you with lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to shop around to verify if the discount is saving money.
- Do you have enough liability coverage? – Liability coverage is the coverage that protects you if you are found to be at fault for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
- How credit affects insurance coverage rates – Having a bad credit rating is a important factor in your rate calculation. People with excellent credit tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit rating can use some improvement, you could be paying less to insure your 2002 Chevrolet Express by spending a little time repairing your credit.
- Policy add-ons can waste money – There are quite a few extra coverages that you can buy if you aren’t careful. Coverages like vanishing deductibles, towing coverage and motor club memberships are examples of these. They may seem like a good idea initially, but if you don’t need them get rid of them and save.
- Discounts for married couples – Getting married actually saves money on your policy. Having a spouse translates into being more mature and it’s statistically proven that being married results in fewer claims.
- Where you live can impact rates – Residing in a small town is a positive aspect when talking about insurance coverage. City drivers have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
- Optional equipment can affect rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
Discounts can save BIG
Companies do not advertise every available discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.
- Seat Belts Save – Requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
- Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
- Auto/Life Discount – Larger companies have better rates if you take out life insurance.
- Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- Sign Online – A handful of insurance companies will give a small break for buying your policy over the internet.
It’s important to note that some of the credits will not apply the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.
To see a list of companies offering auto insurance discounts, click here to view.
Car insurance ads bend the truth
Drivers can’t get away from ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you move your policy.
How can each company say the same thing? This is how they do it.
All the different companies can use profiling for the type of driver that is profitable for them. For example, a preferred risk might be profiled as a mature driver, a clean driving record, and has a short commute. Any driver who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.
Potential customers who do not match these standards will be charged a more expensive rate which leads to business not being written. The ads state “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully advertise the savings. That is why you should quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy Express insurance rates.
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Will just any policy work for me?
When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining whether or not you might need professional guidance.
- Am I covered when pulling a rental trailer?
- Should I buy full coverage?
- When can my company non-renew my policy?
- Do I need motorclub coverage?
- Can my teen driver be rated on a liability-only vehicle?
- Am I covered if my car is in a flood?
- Should I drop comprehensive coverage on older vehicles?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Car insurance coverage basics
Having a good grasp of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average car insurance policy.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for short-term medical expenses such as EMT expenses, X-ray expenses, funeral costs, chiropractic care and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Coverage for collisions
This coverage pays for damage to your Express caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as crashing into a building, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
This protects you from injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims such as emergency aid, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from flooding, fire damage and damage from getting keyed. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Express.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Saving money is sweet as honey
Budget-conscious 2002 Chevy Express insurance can be sourced from both online companies as well as from independent agents, so compare prices from both to have the best rate selection. A few companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.
We just covered some good ideas how to compare insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a smaller regional carrier. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.
To read more, feel free to browse the following helpful articles:
- Where can I buy Insurance? (Insurance Information Insitute)
- Help Your Teen Be a Better Driver (State Farm)
- Rollover Crash FAQ (iihs.org)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
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