Save on 2015 Chevrolet City Express Insurance Quotes 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: Apr 12, 2024

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It’s all about you. We want to help you make the right coverage choices.

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Looking for the cheapest insurance coverage rates for your Chevrolet City Express? Have you finally had enough of trying to scrape together enough money to pay high insurance coverage rates every month? You’re in the same situation as most other consumers.

Consumers have many car insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates.

It’s a good idea to do price comparisons before your policy renews because insurance coverage rates change quite often. If you had the best premium rates on City Express coverage a couple years back a different company probably has better prices today. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the fastest way to find lower rates on insurance coverage.

Discounts for affordable insurance quotes

Insurance is not inexpensive, but companies offer discounts that many people don’t even know exist. Some discounts will apply when you purchase, but some discounts are required to be inquired about prior to receiving the credit.

  • Safety Restraint Discount – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Include Life Insurance and Save – Larger insurance companies have lower prices if you buy some life insurance in addition to your auto policy.
  • Professional Memberships – Participating in qualifying employment or professional organizations could trigger savings on your next renewal.
  • Driver Training Discounts – Participating in a course teaching driver safety skills could cut 5% off your bill if you qualify.
  • College Student – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Accident Waiver – This one isn’t a discount, but a few companies such as GEICO, State Farm, and Progressive permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower rates.

Don’t be shocked that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

Some companies that may offer these money-saving discounts include:

  • Farm Bureau
  • MetLife
  • Progressive
  • AAA
  • American Family
  • State Farm

Before purchasing a policy, check with each company or agent to apply every possible discount. Some of the discounts discussed earlier might not be offered in every state.

Buy insurance online

To find low cost insurance quotes, there are several ways to compare rate quotes from different companies. The quickest method to compare rates consists of shopping online. It is quite easy and can be accomplished in a couple minutes as outlined below.

  • If you are pressed for time, the simplest way to find the lowest comparison rates would be an industry-wide quote request form. This type of form keeps you from doing separate forms to each individual insurance company. A single form compares rates from many national carriers.
  • A slightly less efficient method to find lower rates consists of going to the website of each company and fill out a new quote form. For instance, we’ll assume you want to compare Progressive, Farmers and Travelers. You would have to visit each site to input your insurance information, which explains why we recommend starting with the first method.

You can choose any of those ways to find more affordable coverage, but try to keep nearly identical coverage information with every price quote. If you use different deductibles it will be next to impossible to determine which rate is truly the best. Even a minor difference in coverage limits could throw off the whole comparison. And when price shopping your coverage, comparing more quotes gives you a better chance of getting lower pricing.

Educated choices result in lower insurance prices

A large part of saving on car insurance is knowing the rating factors that play a part in calculating the rates you pay for car insurance. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find lower premium levels.

Shown below are a few of the “ingredients” that factor into prices.

  • Pay more if you have a long commute – Choosing to live in small towns and rural areas is a good thing when trying to find low car insurance rates. Less people translates into fewer accident claims in addition to fewer liability claims. People in densly populated areas have congested traffic and more severe claims. More time on the road means higher likelihood of an accident.
  • Teen drivers pay high costs – Older insureds are proven to be safer behind the wheel, tend to file fewer claims and get fewer tickets. Drivers with little experience are proven to be less responsible when behind the wheel so car insurance rates are higher.
  • Certain vocations raise rates – Did you know your occupation can influence how much you pay for car insurance? Careers such as real estate brokers, airline pilots and emergency personnel generally have the highest average rates due to stressful work requirements and lots of time spent at work. Conversely, jobs like farmers, students and retirees have lower than average premiums on City Express coverage.
  • Pay less with a high NHTSA crash test rating – Vehicles that have high safety ratings can get you lower premiums. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you. If your Chevy City Express has ratings of a minimum four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Never have policy lapses – Driving without insurance coverage in place is a misdemeanor and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine.
  • Low physical damage deductibles mean high costs – Insurance for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. A few examples of covered claims are a dented fender, vandalism, and damage from a fallen tree branch. Comp and collision deductibles define how much you are willing to pay out-of-pocket before your car insurance pays a claim. The more you choose to pay out-of-pocket, the less your company will charge you for insurance on City Express coverage.
  • Pay more by driving carelessly – Drivers with clean records pay lower auto insurance prices as compared to those with violations. Getting just one moving violation can bump up the cost by twenty percent. Drivers who have received serious violations such as DWI, reckless driving or hit and run convictions may need to complete a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Car insurance liability protection limits – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are found liable for damages from an accident. Liability insurance provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive compared to other policy coverages, so do not cut corners here.

You may need specialized insurance coverage coverage

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • What is no-fault insurance?
  • When should I remove comp and collision on my 2015 Chevy City Express?
  • Do I have coverage when using my vehicle for my home business?
  • How high should deductibles be on a 2015 Chevy City Express?
  • When can I cancel my policy?
  • Do I need roadside assistance coverage?
  • Why am I required to buy high-risk coverage?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Insurance coverage basics

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, 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 lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability – This coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, surgery and EMT expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, damage from a tornado or hurricane, theft and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Never pay more for less

Lower-priced car insurance is available both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get quotes online and usually these small insurance companies only sell coverage through independent agents.

As you prepare to switch companies, do not reduce needed coverages to save money. In many instances, drivers have reduced liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your objective should be to find the BEST coverage at an affordable rate, but do not skimp to save money.

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