2007 Chevrolet Express Insurance Rates
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UPDATED: Apr 2, 2020
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Average insurance rates for a 2007 Chevrolet Express are $980 a year including full coverage. Comprehensive costs an estimated $146, collision insurance costs $202, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,112. Teenage drivers receive the highest rates at up to $3,998 a year.
Annual premium for full coverage: $980
Rate estimates for 2007 Chevrolet Express Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 $522 for a discount liability-only rate to the much higher price of $2,112 for a driver that may need high-risk insurance.
These differences highlight why everyone should compare prices for a targeted area and risk profile, instead of 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 2007 Chevrolet Express Insurance
Want lower auto insurance rates for your Chevrolet Express? Are you a victim of high-priced auto insurance? Believe me, you’re not alone.
With consumers having so many online and local companies to choose from, it is hard for the average consumer to locate the lowest price car insurance company.
Be sure to get all your discounts
Car insurance companies don’t list all available discounts in an easy-to-find place, so we researched both the well known and the more hidden ways to save on auto insurance.
- New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.
- Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
- Organization Discounts – Affiliation with a civic or occupational organization is a good way to get lower rates on your policy on Express insurance.
- Homeowners Pay Less – Being a homeowner can save you money because owning a home requires personal responsibility.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Senior Discount – Older drivers may qualify for a discount up to 10% on Express insurance.
It’s important to note that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.
Companies that possibly offer some of the above discounts include:
Double check with each insurance company how you can save money. Discounts may not apply everywhere.
Low Cost Insurance Coverage
There are several ways of comparing rate quotes and find the best price. One of the best ways to find the cheapest 2007 Chevy Express insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.
- Probably the best way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing separate quotation requests to each individual insurance coverage company. A single form will return quotes direct from many companies.
- A slightly less efficient method to compare prices is going to the website for each individual company and complete a new quote form. For instance, we’ll pretend you want rates from USAA, Farmers and American Family. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples information with each company. If each company quotes different values for each quote it will be next to impossible to find the best deal for your Chevy Express. Just a small difference in limits may cause a big price difference. It’s important to know that getting more free quotes gives you a better chance of getting a better price.
Why your Chevy Express might be costing you more
Consumers need to have an understanding of some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to better car insurance rates.
Listed below are a partial list of the pieces that factor into prices.
- Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations like lawyers, business owners and accountants tend to have higher rates than average in part from high stress levels and long work days. On the flip side, occupations such as farmers, athletes and homemakers receive lower rates on Express insurance.
- Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes are in accidents at a similar rate, but the men cause more damage. Men also statistically receive more costly citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.
- Discounts for married couples – Having a wife or husband can get you a discount on your car insurance policy. Having a spouse usually means you are more mature and statistics show married drivers get in fewer accidents.
- Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Chevy Express has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
- Liability coverage is peace of mind – Your policy’s liability coverage provides coverage if ever you are found to be at fault for damages from an accident. Liability provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
How do I know if I need professional advice?
When buying coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.
- Can I still get insurance after a DUI?
- Is borrowed equipment or tools covered if stolen or damaged?
- Does car insurance cover theft of personal property?
- At what point should I drop full coverage?
- What is the difference between comprehensive and collision coverage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- How can I get high-risk coverage after a DUI?
- Why am I be forced to buy a membership to get insurance from some companies?
- Does liability extend to a camper or trailer?
If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
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Coverages available on your policy
Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.
This can cover damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims like loss of income, bail bonds, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2007 Chevy Express.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like colliding with a tree, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Comprehensive auto coverage
This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for bills such as chiropractic care, rehabilitation expenses, doctor visits, EMT expenses and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
The best insurance company isn’t always the cheapest
Lower-priced 2007 Chevy Express insurance is attainable from both online companies and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. Too many times, an insured dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
Additional information is available at the links below
- Drunk Driving Statistics (Insurance Information Insitute)
- Safe Vehicles for Teens (iihs.org)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Shopping for a Safe Car (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,548|
|Los Angeles, CA||$1,674|
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||$59|
|5-yr Claim Free||$61|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.