How Much Does 2010 Chevrolet Express Insurance Cost?

Are you a victim of an overpriced insurance policy? Trust us, there are lots of people in the same boat. There are many insurers to buy insurance from, and although it’s nice to have a selection, too many choices makes it more difficult to adequately compare rates.

Car Insurance Prices

All major car insurance companies such as State Farm, GEICO and Progressive give prices on their websites. This process doesn’t take much effort as you just enter your coverage preferences into the quote form. Upon sending the form, their rating system pulls credit information and your driving record and quotes a price based on many factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and enter the same data into a form can be a bit repetitive. But it is imperative to get many rate quotes if you want to find a better rate.

The better way to compare rates

The preferred way to compare rates requires only one form to obtain quotes from several different companies. This type of form saves time, requires much less work on your part, and makes online quotes much easier to do. After your information is entered, your coverage is rated with multiple companies and you can pick any of the quotes returned.

If a lower price is quoted, you can click and sign and buy the policy. The entire process takes just a few minutes to complete and you will know how your current rates stack up.

To quickly find out how much you’re overpaying now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you type in the insurance coverages as close as possible to your current policy. This guarantees you will be getting an apples-to-apples comparison using the exact same coverages.

Discounts are basically free money

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be manually applied before you will receive the discount. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Homeowners Discount – Owning a home can help you save on insurance because owning a home demonstrates responsibility.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy qualifies for this discount.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Auto/Home Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Club Memberships – Affiliation with certain professional organizations is a good way to get lower rates when shopping for insurance for Express coverage.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous. But all discounts will help reduce the cost of coverage.

To see a list of companies offering insurance discounts, click here to view.

Which insurance is the “right” coverage?

When buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • Do I need more liability coverage?
  • At what point should I drop full coverage?
  • What if I owe more than I can insure my car for?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my teen driver covered when they drive my company car?
  • How do I file an SR-22 for a DUI in my state?
  • Is my Chevy Express covered if I use it for business?
  • Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with 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’s fast, doesn’t cost anything and may give you better protection.

Complexity of Chevy Express insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for insurance coverage. Understanding what determines base rates empowers consumers to make smart changes that could result in lower insurance coverage prices.

  • Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, protects your Chevy from damage. Examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more money you’re willing to pay, the lower your rates will be for Express coverage.
  • Don’t let your coverage lapse – Driving with no insurance is a misdemeanor and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage will get you a revoked license or a big fine.
  • Proper usage rating affects rates – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage get more affordable rates compared to those used for work or business. Make sure your insurance coverage declarations sheet is rated on the correct usage for each vehicle. Incorrect usage on your Express may be wasting your money.
  • Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. Liability provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Men pay higher rates – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are better drivers. Women and men tend to get into accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets like reckless driving and DUI.
  • How many coverages with the same company – Most insurance companies will give a discount to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even though this discount sounds good, it’s still a good idea to shop around to make sure you are getting the best deal.
  • Safer cars are cheaper to insure – Safer cars get lower rates. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If the Chevy Express earned at least four stars on Safercar.gov it may be receiving lower rates.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Liability insurance

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like loss of income, repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive insurance

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 can pay for things such as rock chips in glass, hitting a deer and vandalism. The highest amount 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 probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays for damage to your Express resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, crashing into a building, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as nursing services, X-ray expenses, surgery and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2010 Chevy Express.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Smart consumers save more

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage only to regret that the savings was not a smart move. Your strategy should be to find the BEST coverage at a price you can afford.

Cheaper 2010 Chevy Express insurance can be sourced from both online companies in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Additional information