Cheapest 2014 Chevrolet Express Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Looking for lower auto insurance rates for your Chevrolet Express? Are you a victim of overpriced auto insurance? Trust us, you’re not alone. There is such a variety of insurance companies to buy insurance from, and although it’s nice to have a selection, it can be more challenging to compare rates and find the lowest cost auto insurance.
It’s a great practice to take a look at other company’s rates every six months because insurance rates are usually higher with each renewal. Just because you found the best deal on Express insurance six months ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so with this article, you’re going to get some proven techniques to quit paying high auto insurance rates.
Chevy Express rates are in the details
Smart consumers have a good feel for the factors that go into determining insurance coverage rates. Knowing what influences your rates helps enable you to make changes that may reward you with better insurance coverage rates.
- Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, executives and financial analysts tend to have higher average rates in part from job stress and lots of time spent at work. Conversely, jobs such as scientists, engineers and performers receive lower rates on Express insurance.
- Cautious drivers pay less – Whether or not you get tickets has a huge affect on how much you pay. Only having one moving violation may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state DMV in order to continue driving.
- You might want pay the small claims yourself – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance companies award lower rates to drivers who are claim-free. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
- More miles equals more premium – The more you drive each year the higher your rates will be. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Autos that are left in the garage can get a lower rate than vehicles that are driven to work every day. If your policy improperly rates your Express may be wasting your money. Verify your insurance coverage policy is showing the correct driver usage, because it can save money.
Take discounts and save
The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be specifically requested prior to getting the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Accident Forgiveness – Some insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
- Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
- Multi-policy Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
- Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can receive discounts up to 30%.
- Resident Student – Youth drivers who live away from home and don’t have a car may be able to be covered for less.
- No Claims – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
- Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.
It’s important to understand that many deductions do not apply to the entire cost. Most cut individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will cut the amount you have to pay.
To see a list of insurance companies offering car insurance discounts, click here to view.
Which policy gives me the best coverage?
When it comes to buying coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover if you would benefit from professional advice.
- Does my personal policy cover me when driving out-of-state?
- What are the financial responsibility laws in my state?
- Do I need added coverage for expensive stereo equipment?
- How does medical payments coverage work?
- What exactly is covered by my policy?
- Should I have combined single limit or split liability limits?
- Can I afford low physical damage deductibles?
- How do I file an SR-22 for a DUI in my state?
- Am I covered when delivering products for my home-based business?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.
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Car insurance 101
Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2014 Chevy Express.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liablity limits.
Liability – This coverage protects you from damages or injuries you inflict on people or other property. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as medical expenses, loss of income, legal defense fees, attorney fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Collision coverages – Collision coverage will pay to fix damage to your Express caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like crashing into a ditch, scraping a guard rail, hitting a parking meter, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, chiropractic care, funeral costs and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
A fool and his money are soon parted
As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at an affordable rate.
Cheaper 2014 Chevy Express insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
Even more information can be found in these articles:
- Distracted Driving Extends Beyond Texting (State Farm)
- Crash Avoidance Technologies FAQ (iihs.org)
- Credit and Insurance Scores (Insurance Information Insitute)
- Information for Teen Drivers (GEICO)
- Choosing an Insurance Company (Insurance Information Insitute)
- Coverage Information (Progressive Insurance)
Frequently Asked Questions
How can I find the cheapest auto insurance rates for a 2014 Chevrolet Express in 2023?
To find the cheapest auto insurance rates for a 2014 Chevrolet Express in 2023, you can enter your ZIP code below to view companies that offer cheap auto insurance rates. By comparing quotes from different insurance providers, you can increase your chances of finding the lowest cost auto insurance.
What factors influence auto insurance rates?
Several factors can influence auto insurance rates. Some common factors include your driving record, the make and model of your vehicle, your age and gender, your location, the coverage options you choose, and your credit history. Understanding these factors can help you make changes that may lead to better insurance coverage rates.
Are there any discounts available to lower auto insurance costs?
Yes, there are discounts available that can help reduce the price of auto insurance. Some discounts are applied automatically at the time of purchase, while others need to be specifically requested. It’s important to note that not all discounts apply to the entire cost of insurance, but they can still help lower your overall premium.
How do I determine the best coverage for my Chevrolet Express?
The best coverage for your Chevrolet Express depends on your specific needs and circumstances. There is no single plan that fits everyone. To determine the coverage that suits you, consider factors such as your budget, the value of your vehicle, your driving habits, and any additional protection you may require. If you’re unsure about the coverage options, it’s recommended to speak with an insurance agent who can provide valuable advice.
What are the different types of coverages in an insurance policy?
Insurance policies typically include various types of coverages. Some common coverages found in an average insurance policy include:
- Liability coverage: Protects you from damages or injuries you cause to others.
- Collision coverage: Pays for repairs or replacement of your vehicle in case of a collision with another vehicle or object.
- Comprehensive coverage: Covers damage to your vehicle caused by events other than collisions, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist coverage: Provides protection when the at-fault party doesn’t have sufficient insurance coverage.
- Medical payments coverage/Personal Injury Protection (PIP): Covers medical expenses for you and your passengers in case of an accident, regardless of fault.
Understanding these coverages can help you make informed decisions when selecting the right auto insurance policy for your needs.
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