2020 Chevrolet Express Car Insurance Rates 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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Locating the cheapest insurance for a Chevy Express could be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for car insurance so you’re going to learn the absolute fastest way to price shop coverage for a Chevy and obtain the cheapest rates either online or from local insurance agents.

Cheaper rates by taking advantage of discounts

Companies offering auto insurance don’t always publicize all their discounts very clearly, so the next list breaks down a few of the more well known as well as the least known savings tricks you should be using when you buy insurance coverage online.

  • Military Discounts – Being on active duty in the military could be rewarded with lower rates.
  • Early Signing – A few insurance companies offer discounts for buying a policy before your current expiration date. You may see this discount when you get insurance coverage quotes online.
  • Driver’s Ed – Teen drivers should take driver’s ed class if it’s offered in school.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up may be able to save a few bucks on medical payment and PIP coverage.
  • Multi-car Discount – Buying a policy with all your vehicles with one company can get a discount for every vehicle.
  • Mature Driver Discount – Mature drivers may receive a small discount on rates on Express coverage.
  • Low Mileage Discounts – Driving less may enable drivers to earn lower prices due to less chance of an accident.
  • Sign Online – Some companies give back up to $50 get insurance coverage on your computer.
  • Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote as opposed to policyholders that have many claims.
  • Passive Restraint Discount – Options like air bags or automatic seat belts may get savings of 25 to 30%.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, that’s just not realistic.

A list of auto insurance companies and a summarized list of policyholder discounts are:

  • State Farm discounts include driver’s education, good student, safe vehicle, accident-free, and defensive driving training.
  • Liberty Mutual offers premium reductions for good student, multi-policy, safety features, new move discount, preferred payment discount, newly married, and hybrid vehicle.
  • American Family policyholders can earn discounts including air bags, accident-free, mySafetyValet, defensive driver, and Steer into Savings.
  • Progressive includes discounts for good student, continuous coverage, online quote discount, homeowner, and online signing.
  • Farmers Insurance may include discounts for switch companies, mature driver, homeowner, pay in full, early shopping, and bundle discounts.
  • Auto-Owners Insurance has discounts for group or association, anti-theft, good student, paid in full, safe vehicle, multiple vehicles, and anti-lock brakes.
  • SAFECO has savings for multi-car, teen safety rewards, teen safe driver, homeowner, bundle discounts, and safe driver.

When getting a coverage quote, ask each insurance company to give you their best rates. Some discounts listed above may not apply to policies in your state. To see companies that offer discounts, enter your zip code here.

Smart buyers know how to get insurance coverage for less

Multiple criteria are considered when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, although some other factors are more obscure like where you live or your commute time.

  • Prevent theft and save – Choosing to buy a car with an alarm system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.
  • The higher your credit rating the lower your premiums – An insured’s credit rating factor in calculating your premium rate. So if your credit history is not that good, you may save money insuring your 2020 Chevrolet Express by improving your credit score. People with high credit scores tend to file fewer claims than drivers who have poor credit.
  • Discounts for multiple policies – Some insurance companies afford better rates for people who consolidate policies with them, otherwise known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even with this discount, you may still want to comparison shop to help ensure you have the lowest rates.
  • Lower rates by increasing coverage deductibles – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Examples of covered claims are collision with another vehicle, vandalism, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles state the amount of money you are required to spend if a covered claim is submitted. The larger the amount you have to pay, the lower your rates will be on Express coverage.

How much insurance coverage do I need?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Where can I find DUI or SR-22 insurance?
  • Can I afford low physical damage deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have health insurance so do I need medical payments coverage?
  • Do I need replacement cost coverage?
  • Is Motor Club coverage worth it?
  • What is covered by UM/UIM coverage?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

What insurance coverages do you need?

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. 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 sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, rock chips in glass and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability can pay for claims such as emergency aid, funeral expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, ambulance fees, hospital visits, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Save for a rainy day

People leave their current company for any number of reasons including high rates after DUI convictions, unfair underwriting practices, policy non-renewal and even questionable increases in premium. Regardless of your reason, choosing a new company is not as difficult as it may seem.

We just covered many tips how you can lower your 2020 Chevy Express insurance rates. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest rates are with a small local company.

Cheaper 2020 Chevy Express insurance can be bought online as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers may not offer online price quotes and usually these smaller companies only sell coverage through independent agencies.

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