2008 Chevrolet Express Insurance Rates – 7 Tips for Cheapest Quotes

Looking for cheaper car insurance rates for your Chevrolet Express? If you’re new to shopping for car insurance online, it’s easy to get confused by the large number of car insurance companies all offering big savings.

Compare Insurance Coverage Today

There are a variety of methods to shop for 2008 Chevy Express insurance coverage, but one way is easier and takes less work. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use online quoting to maximize your effort.

Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company provides a quote for coverage. This system prevents you from having to do quote requests for every insurance coverage company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to doing it this way is that you can’t choose which carriers you want to price. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverage information for each comparison quote. If each company quotes different limits and deductibles on each one it will be impossible to make an equal comparison. Slightly different insurance coverages may result in large price differences. And when quoting insurance coverage, remember that comparing more company’s prices will increase your chances of finding a better price.

Is there truth in advertising?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to have a common claim about savings after switching to them. How can each company make almost identical claims?

All companies have a preferred profile for the right customer that makes them money. A good example of a driver they prefer might be profiled as between the ages of 40 and 55, has no tickets, and chooses high deductibles. A driver that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Drivers who don’t measure up to this ideal profile will be quoted higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can claim big savings.

This emphasizes why you should quote coverage with many companies. It’s just too difficult to predict which auto insurance company will provide you with the cheapest Chevy Express insurance rates.

Pay less by taking advantage of these seven discounts

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be specifically requested before being credited.

  • Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
  • New Car Discount – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for Express coverage with a few insurance coverage companies.
  • Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Student in College – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
  • 55 and Retired – Older drivers may be able to get reduced rates for Express coverage.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, companies don’t profit that way. But any discount will help reduce the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

Check with every prospective company what discounts are available to you. All car insurance discounts might not be offered in your area.

Your coverage should be tailored to you

When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions may help highlight whether or not you would benefit from professional advice.

  • Do I need more liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Is my trailer covered?
  • What discounts do I qualify for?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage if my license is suspended?
  • Should I rate my 2008 Chevy Express as pleasure use or commute?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages and their meanings

Having a good grasp of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for ambulance fees, X-ray expenses and funeral costs. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This will pay to fix damage to your Express caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage covers 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 protects against things such as falling objects, hail damage, hitting a deer, hitting a bird and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, repair costs for stationary objects, loss of income, pain and suffering and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Shop smart and save

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced collision coverage and learned later that it was a big error on their part. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

We covered many ways to lower your 2008 Chevy Express insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with an unexpected company.

Lower-priced insurance is attainable both online as well as from independent agents, and you should be comparing both to get a complete price analysis. Some companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

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