2012 Chevrolet Express Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 2, 2024

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Trying to find cheaper auto insurance rates for your Chevrolet Express? If online auto insurance comparisons are new to you, there’s a good chance you are baffled because of the huge number of online auto insurance companies and websites who claim to have the best auto insurance rates.

You should take the time to compare premium rates quite often since insurance prices are usually higher with each renewal. Just because you had the lowest rates for Express insurance a few years ago other companies may now be cheaper. Forget all the misinformation about auto insurance because it’s time to teach you one of the quickest ways to find lower rates on auto insurance.

Lower your insurance premiums

A large part of saving on insurance coverage is knowing the rating factors that go into determining the price you pay for insurance coverage. If you have a feel for what influences your rates, this allows you to make educated decisions that could help you find lower premium levels. Lots of things are used in the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but some are less obvious such as your marital status or your financial responsibility.

  • Better prices for continuous insurance coverage coverage – Not having insurance is not a good idea and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, being ticketed for driving with no insurance could result in a revoked license or a big fine.
  • Raising physical damage deductibles lowers premiums – The deductibles you choose are the amount of money you are required to pay if the claim is covered. Coverage for physical damage, aka comp and collision, protects your car from damage. Some instances where coverage would apply are collision with another vehicle, collision with a deer, and damage caused by road hazards. The more the insured is willing to pay, the less your company will charge you for insurance for Express insurance.
  • Cheaper prices using alarm systems – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance coverage. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Do safer cars cost less to insure? – Cars with five star safety ratings can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and fewer injuries means less money paid by your insurance company and cheaper rates on your policy. If your Chevy Express has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Drivers with high credit save – Having a bad credit score is likely to be a major factor in determining what you pay. Drivers with high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. So if your credit rating is lower than you’d like, you may save money insuring your 2012 Chevrolet Express if you clean up your credit.
  • Driving citations increase premiums – Careful drivers receive lower rates as compared to those with violations. Having a single driving citation can increase the cost of insurance by as much as twenty percent. Drivers who get multiple tickets like DUI or willful reckless driving may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent their license from being revoked.

How to lower your insurance coverage cost

Most of the larger companies give price estimates direct online. Doing online quotes can be done by anyone as you just enter your personal and coverage information into the quote form. After you submit the form their quoting system orders your driving and credit reports and returns pricing information based on the data you entered.

Quoting online simplifies rate comparisons, but having to visit a lot of sites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to find better prices.

Compare rates the easy way

A more efficient way to compare insurance coverage pricing uses one simple form to get prices from a lot of companies. It saves time, eliminates form submissions, and makes online shopping much easier to do. After sending your information, it is quoted and you are able to buy your choice of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process just takes a couple of minutes and may result in a nice savings.

To compare pricing, simply enter your zip code here and submit the form. To compare your current rates, we recommend you enter coverages and limits exactly as shown on your declarations page. This makes sure you are getting rate quotes using the same coverage and limits.

Save $458 a year? Really?

Insurance providers like Allstate and Progressive continually stream television, radio, and online ads. They all convey the message that you can save just by switching your policy. That’s great but how can every company charge you less for car insurance? Here is the trick they use.

Different companies have underwriting criteria for the type of insured that will generate a profit. For instance, this type of insured should be between the ages of 30 and 45, has a low-risk occupation, and drives a safe vehicle. Someone who fits those characteristics will get low rates and have a good chance to cut their rates substantially.

Consumers who don’t measure up to those standards may receive higher premium rates which leads to business not being written. The ads say “people who switch” not “everyone that quotes” save the amount stated. This is how companies can make those statements.

That is why you really need to do a price quote comparison at every renewal. Because you cannot predict which insurance companies will have the best premium rates.

Drivers save money with with these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you purchase, but a few must be manually applied before you get the savings. If you don’t get every credit you qualify for, you could be getting lower rates.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a small discount on rates for Express insurance.
  • Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you can actually save on your bill.
  • One Accident Forgiven – This one isn’t a discount, but some insurance companies will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.

Please keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Insurance companies that may include these money-saving discounts include:

  • State Farm
  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

If you need lower rates, check with every prospective company which discounts they offer. Depending on the company, some discounts might not be offered in your area. To view auto insurance companies who offer discounts, enter your zip code here.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Should I have combined single limit or split liability limits?
  • Does my policy pay for OEM or aftermarket parts?
  • Who is covered by my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my state a no-fault state?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out your zip code.

Car insurance coverage considerations

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for things like hospital visits, funeral costs, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, rock chips in glass and damage from flooding. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair costs for stationary objects, court costs, legal defense fees, medical expenses and medical services. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Express resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, damaging your car on a curb, rolling your car, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

In Summary

People who switch companies do it for any number of reasons including delays in responding to claim requests, high prices, policy cancellation and even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

More affordable auto insurance can be purchased both online in addition to local insurance agencies, so you need to shop auto insurance with both to get a complete price analysis. Some insurance companies may not have price quotes online and most of the time these regional insurance providers sell through independent insurance agencies.

We’ve covered a lot of ways to get a better price on 2012 Chevy Express insurance. The key thing to remember is the more times you quote, the better likelihood of getting cheap auto insurance. Consumers could even find that the best rates are with the smaller companies.

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