2006 Chevrolet Express Insurance Rates
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UPDATED: Apr 2, 2020
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Average insurance rates for a 2006 Chevrolet Express are $950 a year for full coverage insurance. Comprehensive costs an estimated $142, collision costs $182, and liability coverage costs around $468. Buying a liability-only policy costs as low as $518 a year, with high-risk insurance costing around $2,046. Teenage drivers receive the highest rates at $3,890 a year or more.
Annual premium for full coverage: $950
Rate estimates for 2006 Chevrolet Express Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 a middle-aged driver, prices range go from as low as $518 for just liability coverage to the much higher price of $2,046 for a high risk driver.
These differences illustrate why everyone should compare prices for a targeted area 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 2006 Chevrolet Express Insurance
Want cheaper insurance coverage rates for your Chevrolet Express? Nobody likes having to buy insurance coverage, especially knowing they are paying too much. Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with ads and it can be hard to ignore the flashy ads and take the time to shop coverage around.
Insurance Prices Online
Reducing your 2006 Chevy Express insurance rates is not rocket science. Just invest a few minutes to compare quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.
- One of the best ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do repetitive form submissions for each company you want a rate for. One simple form gets you coverage quotes instantly.
- A more time consuming way to obtain and compare quotes online is going to each individual company website and fill out their own quote form. For instance, we’ll assume you want rates from USAA, State Farm and Progressive. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverages with each company. If each company quotes different values for each quote it will be next to impossible to determine the best price for your Chevy Express.
Don’t pay full price with these seven discounts
Insuring your vehicles can cost a lot, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but a few must be requested specifically prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Own a Home – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
- Payment Method – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
- Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.
- Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
- Paperless Signup – Some insurance companies will give a small break just for signing your application on their website.
Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will cut your premiums.
To see a list of companies offering insurance coverage discounts, click this link.
Your personal situation dictates your coverage
When choosing adequate coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can aid in determining whether you could use an agent’s help.
- When should I drop full coverage on my 2006 Chevy Express?
- Does insurance cover tools stolen from my truck?
- Is business equipment covered while in my vehicle?
- Who is covered by my policy?
- If my 2006 Chevy Express is totaled, can I afford another vehicle?
- Is my 2006 Chevy Express covered for smoke damage?
- Why does it cost so much to insure a teen driver?
- Is my cargo covered for damage or theft?
- Will I be non-renewed for getting a DUI or other conviction?
- Can I still get insurance after a DUI?
If you’re not sure about those questions but you know they 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 car insurance companies in your area. It is quick, free and you can get the answers you need.
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Do drivers who switch really save?
Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim of big savings if you switch your coverage to them.
How can each company claim to save you money? This is how they do it.
All companies are able to cherry pick for the type of driver they prefer to insure. A good example of a profitable customer could possibly be between 25 and 40, is a homeowner, and has a short commute. A propective insured who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.
Drivers who don’t qualify for the requirements must pay more money which usually ends up with business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make the claims of big savings.
This illustrates why you absolutely need to get a wide range of price quotes. It’s not possible to predict the company that will have the lowest Chevy Express insurance rates.
Car insurance coverage options for a 2006 Chevy Express
Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from car insurance companies.
Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, funeral costs, chiropractic care, hospital visits and pain medications. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage – This coverage gives you protection when other motorists 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 many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.
Comprehensive coverages – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hitting a bird, hail damage and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability – Liability insurance can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like attorney fees, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is up to you, but buy higher limits if possible.
Collision coverages – Collision coverage covers damage to your Express from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as colliding with a tree, crashing into a building, sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
Pennies from heaven
When you buy insurance online, do not buy lower coverage limits just to save a few bucks. In too many instances, someone dropped full coverage only to regret they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price while still protecting your assets.
We just showed you many ideas to save on 2006 Chevy Express insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with a small local company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.
Other learning opportunities
- Understanding Car Crashes Video (iihs.org)
- Think You’re a Safe Driver? (State Farm)
- Teen Driving Statistics (iihs.org)
- Event Data Recorders FAQ (iihs.org)
Rates by U.S. City
|New York City, NY||$1,500|
|Los Angeles, CA||$1,623|
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||$56|
|5-yr Claim Free||$59|
|Paid in Full/EFT||$33|
Discounts are estimated and may not be available from every company or in every state.