How Much Does 2002 Chevrolet Express Insurance Cost?

Trying to find better car insurance rates for your Chevrolet Express? Searching for better insurance prices for a Chevy Express could be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the proper way to get price quotes for a new or used Chevy and obtain the cheapest rates.

Smart consumers take time to get comparison quotes every six months because prices tend to go up over time. Despite the fact that you may have had the lowest rates on Express coverage six months ago you can probably find a better price now. Starting right now, forget all the misinformation about car insurance because we’re going to show you one of the easiest ways to remove unneeded coverages and save money.

Chevy Express rates are complex

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively controls the rates you pay enables informed choices that could result in lower insurance prices.

  • Males pay more for insurance – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both cause accidents in similar percentages, but the men have costlier accidents. Men also statistically receive more costly citations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
  • Poor driving leads to higher costs – Even a single citation can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Better credit scores mean better rates – A driver’s credit rating is a huge factor in determining what you pay for insurance. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores. If your credit can use some improvement, you could be paying less to insure your 2002 Chevrolet Express by repairing your credit.
  • Where you live can impact rates – Living in small towns and rural areas can be a good thing when it comes to insurance. Fewer drivers means reduced accidents and a lower car theft rate. Urban drivers have to deal with much more traffic to deal with and longer commute times. More time on the road can result in more accidents.
  • Theft deterrents lower rates – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Rate your vehicle for proper use – The more miles you rack up on your Chevy in a year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Make sure your insurance policy shows how each vehicle is driven, because it can save money. Incorrect usage on your Express can result in significantly higher rates.
  • Mature drivers pay less – Older insureds are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets. Youthful drivers are known to be more careless when behind the wheel therefore insurance rates are much higher.
  • Your spouse saves you money – Having a wife or husband helps lower the price on insurance. Having a significant other translates into being more mature and responsible and it’s proven that drivers who are married are more cautious.

Save on 2002 Chevy Express insurance

Companies that sell car insurance don’t always publicize all their discounts in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you’re paying more than you need to.

  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Paperless Signup – A handful of insurance companies will give a small break simply for signing over the internet.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Distant Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Express coverage with a few car insurance companies.
  • Drive Less and Save – Low mileage vehicles can earn better rates on cars that stay parked.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurance companies with the best car insurance discounts, click this link.

Tailor your coverage to you

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine if you might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • Should I have a commercial auto policy?
  • Does medical payments coverage apply to all occupants?
  • What is an SR-22 filing?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving someone else’s vehicle?
  • Does coverage extend to Mexico or Canada?
  • What vehicles should carry emergency assistance coverage?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hail damage and rock chips in glass. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like chiropractic care, X-ray expenses, nursing services, dental work and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Express.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for liability – This protects you from damage that occurs to people or other property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Smart consumers save more

Cost effective 2002 Chevy Express insurance is available both online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not offer online price quotes and these smaller companies work with independent agents.

We’ve covered many ways to lower your insurance rates. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the best prices are with an unexpected company.

When shopping online for insurance, never skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice collision coverage only to find out that it was a big error on their part. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

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