2005 Chevrolet Express Insurance Rates

Average insurance rates for a 2005 Chevrolet Express are $936 a year for full coverage. Comprehensive insurance costs around $140, collision insurance costs $178, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,010 or more. Teenage drivers receive the highest rates at up to $3,828 a year.

Annual premium for full coverage: $936

Rate estimates for 2005 Chevrolet Express Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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

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These differences show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Overpriced Chevrolet Express insurance can overdraw your bank account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Because there are so many online and local companies to choose from, it can be impossible to find the lowest price car insurance company.

How to reduce 2005 Chevy Express insurance rates

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few need to be asked for before being credited. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Memberships – Participating in a qualifying organization is a good way to get lower rates on your policy on Express coverage.
• Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
• Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.

It’s important to note that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will reduce your premiums.

Car insurance companies that may offer some of the above discounts include:

• State Farm
• American Family
• GEICO
• 21st Century
• Progressive

Before buying, ask each insurance company what discounts are available to you. Savings may not apply everywhere.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine if your situation could use an agent’s help.

• Is my 2005 Chevy Express covered for smoke damage?
• Am I covered when delivering products for my home-based business?
• Am I covered when using my vehicle for business?
• Can I afford to pay high deductible claims out of pocket?
• Is rental equipment covered for theft or damage?
• Am I covered if hit by an uninsured driver?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Learning about specific coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, hospital visits, chiropractic care and nursing services. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hitting a deer, a tree branch falling on your vehicle and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include 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, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as emergency aid, bail bonds and court costs. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Auto collision coverage

This pays for damage to your Express caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter, crashing into a ditch, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Best coverage at the best price

Cheap 2005 Chevy Express insurance is attainable both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We’ve covered quite a bit of information on how to compare insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a small local company. They may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.

Additional car insurance information can be found at these links:

• Speed and Speed Limit FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Anti-Lock Brake FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)

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