View 2019 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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If you’re searching for lower-cost insurance on the web, do you get confused by the number of auto insurance choices in your area? Lot’s of other people are too. There are such a large number of options that it can turn into a chore to find a cheaper company.

It’s a good idea to get comparison quotes yearly since insurance prices are rarely the same from one policy term to another. Even if you got the best price for Express coverage at your last renewal you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re going to learn one of the easiest ways to find lower rates on auto insurance.

If you have car insurance now, you will most likely be able to save some money using these tips. The purpose of this article is to help you learn the most effective way to quote insurance and some tricks to saving. But consumers need to have an understanding of the way insurance companies compete online and use this information to your advantage.

Compare quotes for car insurance

When looking for low cost insurance quotes, there are a couple ways to compare rate quotes from lots of car insurance companies. The quickest method to compare rates is to use the internet to compare rates. This is very easy and can be done in a couple minutes as outlined below.

  1. The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison. This quick form prevents you from having to do separate quotes for every company. Completing one form gets prices estimates direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A harder way to compare rate quotes is to manually visit each company’s website and repeat the quote process again and again. For instance, we’ll assume you want to see prices from Allstate, Farmers and Travelers. To do that, you would have to spend time on each company’s site and enter your policy data, which can be really labor intensive.
  3. The old school way to shop rates is going to different agent offices. The fact that you can get quotes online makes this process obsolete unless your situation requires the advice and guidance of a licensed agent. Drivers can comparison shop online but buy the policy through an agent.

It’s up to you which method you use, but be sure to compare apples-to-apples deductibles and coverage limits on every quote you get. If you enter mixed coverages you will not be able to determine which company has the best rates. Slightly different limits could skew the results. Keep in mind that comparing more quotes will increase your chances of finding a better price.

Get cheap car insurance quotes with discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that could drop your premiums quite a bit. Certain reductions will be credited at quote time, but some must be manually applied before you will receive the discount. If you do not check that you are getting every discount possible, you may be paying too high a price.

  • Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small discount on rates for Express coverage.
  • Paper-free Discount – A few larger companies may give you up to $50 shop insurance over the internet.
  • Driving Data Discount – People who choose to allow their car insurance company to analyze their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Safe Driver Discounts – Drivers without accidents can save as much as half off their rates for Express coverage compared to accident prone drivers.
  • Own a Home – Owning a house can save you money because it demonstrates responsibility.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations is a good way to get lower rates on your next car insurance statement.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you could save at least 10% off all policies.
  • Resident Student – College-age children who live away from home to go to college and don’t have a car may qualify for this discount.
  • Low Mileage – Fewer annual miles on your Chevy may enable drivers to earn slightly better car insurance rates than normal.

Just know that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, you aren’t that lucky.

Large car insurance companies and the discounts they provide can be read below.

  • Progressive has savings for online signing, multi-vehicle, multi-policy, homeowner, good student, and continuous coverage.
  • Farmers Insurance may include discounts for teen driver, bundle discounts, pay in full, youthful driver, homeowner, and multi-car.
  • Farm Bureau offers discounts for youthful driver, 55 and retired, safe driver, multi-vehicle, and good student.
  • State Farm includes discounts for driver’s education, good student, multiple policy, Steer Clear safe driver discount, defensive driving training, and multiple autos.
  • GEICO offers premium reductions for anti-lock brakes, driver training, federal employee, defensive driver, membership and employees, and multi-policy.
  • SAFECO discounts include drive less, homeowner, bundle discounts, safe driver, accident prevention training, and anti-lock brakes.
  • Liberty Mutual offers discounts including teen driver discount, newly retired, safety features, hybrid vehicle, multi-car, and exclusive group savings.

When getting a coverage quote, ask each company the best way to save money. Some discounts listed above might not be offered in every state.

How do insurance providers determine Chevy Express insurance costs?

When buying car insurance it’s important to understand the factors that help calculate car insurance rates. If you understand what controls the rates you pay, this helps enable you to make changes that could result in lower rates.

The list below includes some of the major factors utilized by car insurance companies to help set your rates.

  • Extra coverages that aren’t used – There are many extra add-on coverages you can purchase but may not be useful. Coverage for things like vanishing deductibles, towing, and additional equipment coverage may be costing you every month. These coverages may sound good at first, but if you have no use for them think about removing them and cutting costs.
  • More people means more accidents – Choosing to live in small towns and rural areas is a positive aspect when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accident claims and also fewer theft and vandalism claims. People who live in big cities have more traffic problems and higher rates of accident claims. Longer commute distances means a statistically higher chance of an accident.
  • Multi-policy discounts can save money – Lots of car insurance companies provide a discount to insureds who buy several policies from them in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal. There is a chance you can find a better deal by buying insurance from more than one company.
  • Frequent policy claims will increase rates – Auto insurance companies award discounts to people who are claim-free. If you are the type of insured that files lots of claims you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Don’t skimp on liability – A critical coverage on your policy, liability insurance kicks in if a court rules you are at fault for an accident. It will provide you with a defense in court to defend your case. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Your spouse saves you money – Having a wife or husband can actually save you money on your car insurance policy. Marriage demonstrates that you tend to be more mature than a single person it has been statistically shown that being married results in fewer claims.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions might help in determining if you could use an agent’s help.

  • Why do I need rental car insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do all my vehicles need collision coverage?
  • Am I better off with higher deductibles on my 2019 Chevy Express?
  • Is upholstery damage covered by car insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete your zip code.

Insurance coverage basics

Knowing the specifics of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision insurance covers damage to your Express resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as doctor visits, prosthetic devices and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability auto insurance

This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. Liability 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. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, repair bills for other people’s vehicles, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, rock chips in glass, falling objects and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Express.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Best coverage at the best price

We’ve covered a lot of techniques to reduce 2019 Chevy Express insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding low cost insurance. Drivers may discover the lowest premium rates are with a small local company.

When getting insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage for the lowest cost.

Consumers change insurance companies for many reasons like poor customer service, questionable increases in premium, an unsatisfactory settlement offer or denial of a claim. It doesn’t matter what your reason, finding a great new company is less work than it seems.

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