2013 Chevrolet Express Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Wish you could get out of an expensive car insurance policy? Don’t sweat it because many drivers feel the same as you.

Lots of insurance companies contend for your insurance dollar, so it’s not easy to compare every insurance company to find the absolute lowest price

If you are paying for car insurance now, you will be able to save some money using these techniques. Finding the best rates is easy if you know what you’re doing. Although vehicle owners need to have an understanding of the methods companies use to compete online because it can help you find the best coverage.

How to get insurance coverage rate quotes

The are a couple different ways of comparing rate quotes from many available insurance coverage companies in your state. The simplest method to compare 2013 Chevy Express insurance prices is to get quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. If you’re in a hurry, the quickest way to find the lowest comparison rates is an all-inclusive rate comparison. This form saves time by eliminating a different quote to each individual insurance coverage company. Just one form will return quotes instantly.
  2. A harder way to get quotes online is to manually visit each company website and complete a new quote form. For instance, let’s say you want to compare GEICO, Farmers and Progressive. You would need to take the time to go to each site and enter your information, which explains why we recommend starting with the first method.
  3. The least efficient and most time consuming method to do your price quoting is calling or driving to local insurance agencies. The internet can eliminate the need for a local agent unless you have a complicated situation and need the guidance that only an agent can give. It is possible to obtain prices from the web but buy the policy through an agent.

The method you choose is up to you, but do your best to enter identical coverages and limits on every price quote you get. If each company quotes different coverage information then you won’t be able to find the best deal for your Chevy Express. Having just a slight variation in limits could throw off the whole comparison. And when comparing insurance coverage rates, know that having more price comparisons increases the change that you will find more affordable rates.

Drivers can save with these rate-reducing discounts

Companies that sell car insurance don’t always list the entire discount list in a way that’s easy to find, so we researched a few of the more common as well as the least known savings tricks you should be using when you buy insurance coverage online.

  • Good Student – Excelling in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
  • Switch and Save Discount – A few insurance companies allow discounts for buying a policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles could earn lower premium rates due to less chance of an accident.
  • Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before raising your premiums if you have no claims for a particular time prior to the accident.
  • Driving Data Discount – People who choose to allow their insurance company to monitor driving patterns by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as they are good drivers.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Insurance companies that have these money-saving discounts include:

  • Progressive
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Liberty Mutual

Check with all the companies which discounts you may be entitled to. Some discounts might not be available to policyholders in your area. For a list of companies with significant discounts, enter your zip code here.

The Chevy Express insurance price equation

Many things are considered when you get a price on insurance. Some factors are common sense such as traffic violations, although others are less apparent such as whether you are married or your vehicle rating.

  • With age comes lower premiums – Youthful drivers are statistically shown to get distracted easily with other occupants in the car therefore insurance rates are much higher. More experienced drivers are shown to be more cautious, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Never let your insurance policy lapse – Not having insurance can get you a ticket and companies may charge more for letting your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance may earn you a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • When should you not file a policy claims? – Car insurance companies give lower rates to drivers who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Gender and car insurance rates – Over the last 30 years, statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better drivers. Males and females have accidents in similar percentages, but the males tend to have higher claims. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • How much liability coverage – The liability section of your policy will afford coverage in the event that you are found liable for causing personal injury or damage in an accident. This coverage provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so do not cut corners here.
  • Your occupation may affect prices – Do you have a high-stress occupation? Jobs like military generals, air traffic controllers and medical professionals have higher premium rates attributed to high stress levels and lots of time spent away from family. Other occupations like actors, engineers and retirees have the lowest average rates for Express insurance.
  • Your car’s features help determine rates – Purchasing a vehicle with advanced anti-theft systems can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft.
  • Vehicles with better crash test results means lower insurance rates – Vehicles that have high safety ratings get lower rates. Safer cars reduce the chance of injuries and fewer serious injuries means less money paid by your insurance company which can result in lower premiums.

Do I need special coverages?

When choosing proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • What is the ISO rating for a 2013 Chevy Express?
  • Does having multiple vehicles earn me a discount?
  • How high should my uninsured/underinsured coverage be in my state?
  • How can I get my company to pay me more for my totalled car?
  • How much liability coverage do I need in my state?
  • When would I need rental car insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I rent a car in Mexico?
  • Am I covered when driving on a suspended license?
  • If my 2013 Chevy Express is totaled, can I afford another vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and enter your zip code.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Liability car insurance

This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like loss of income, structural damage, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, a broken windshield, damage from flooding and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as EMT expenses, prosthetic devices, nursing services and surgery. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision insurance

This coverage covers damage to your Express resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Knowledge is power

We’ve covered a lot of information how to lower your 2013 Chevy Express insurance rates. The key concept to understand is the more quotes you get, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the biggest savings come from a lesser-known regional company. Some small companies often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm or Progressive.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability limits or collision coverage and learned later that they should have had better coverage. The ultimate goal is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

Cheap 2013 Chevy Express insurance is possible on the web and from local agencies, and you need to comparison shop both in order to have the best chance of saving money. A few companies don’t offer online rate quotes and many times these smaller companies provide coverage only through local independent agents.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption