2016 Chevrolet Express Insurance Rates in 2024 – 9 Tricks for Best Quotes

High-priced Chevrolet Express insurance can diminish your family’s budget and make it tough to pay other bills. Insurance companies such as GEICO, Progressive and Allstate all claim big savings, bombarding you with fancy advertisements and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

You should make it a habit to shop coverage around at least once a year due to the fact that insurance prices are variable and change quite frequently. Even if you think you had the lowest rates for Express insurance at your last renewal you can probably find a better premium rate now. Ignore everything you know about insurance coverage because you’re about to find out the easiest way to find better coverage at a better price.

Take advantage of these nine money-saving discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not even be aware of. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be specifically requested before they will apply.

• Homeowners Discount – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
• Renewal Discounts – A few companies allow discounts for switching to them before your current expiration date. You could save around 10% when you buy auto insurance online.
• Multi-Vehicle Discounts – Having multiple cars on one policy may reduce the rate for each vehicle.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
• Use Seat Belts – Requiring all passengers to use a seat belt can save a little off the PIP or medical payment premium.
• Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
• Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn slightly better prices than normal.
• Theft Deterrent – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.

It’s important to understand that most discount credits are not given to the whole policy. Some only apply to individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

Car insurance companies that may have many of the previously listed discounts include:

• State Farm
• GEICO
• SAFECO
• Farmers Insurance
• AAA
• USAA

When comparing rates, check with every insurance company the best way to save money. Depending on the company, some discounts may not be available in your area. To see insurers that offer many of these discounts, enter your zip code here.

First Step: Get free insurance quotes

Reducing your 2016 Chevy Express insurance rates can be surprisingly simple. All you need to do is take time to compare rate quotes to see which company has cheaper auto insurance quotes. Price comparisons can be done using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form. This style of form prevents you from having to do separate quotation requests for every prospective company. Filling out one form gets insurance cost estimates from several companies.

A harder way to compare prices consists of visiting each company website and repeat the quote process. For instance, let’s say you want to compare rates from Allstate, Farmers and State Farm. To get rate quotes you would need to take the time to go to each site and repeatedly enter your information, which is why the first method is quicker.

The method you choose is up to you, but ensure you are comparing equivalent coverage limits with every price quote. If you are comparing mixed coverages it will be next to impossible to find the best deal for your Chevy Express.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage, there really is not a “perfect” insurance plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

• What can I do if my company denied a claim?
• Does my insurance cover my expensive audio equipment?
• How do I insure my teen driver?
• What if I total my 2016 Chevy Express and owe more than it’s worth?
• Is my 2016 Chevy Express covered for smoke damage?
• What is PIP insurance?
• Am I covered if hit by an uninsured driver?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete your zip code. It’s fast, free and you can get the answers you need.

Tricks in insurance coverage advertising

Consumers can’t avoid all the ads that claim the lowest rates by companies like Allstate, GEICO and Progressive. All the ads convey the message that you can save if you move your policy.

How do they all lower your rates? Here is how they do it.

Most companies can use profiling for the type of insured that will add to their bottom line. For example, a profitable risk profile might be between the ages of 40 and 55, owns their home, and drives newer vehicles. A driver that matches those criteria receives the best premium rates and will probably save a lot if they switch.

People who don’t meet the requirements may be required to pay higher rates which results in the prospect going elsewhere. The ads state “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can make the claims of big savings. Each company has different criteria, so you really need to get a wide range of price quotes. It’s not possible to predict the company that will have better prices than you’re paying now.

Specific coverages for a Chevy Express

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Auto collision coverage

This coverage covers damage to your Express resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Express.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability

Liability coverage protects you from injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things like funeral expenses, bail bonds, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, rock chips in glass, damage from flooding and hail damage. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills like EMT expenses, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Buy Smart and Save

There are still a few companies who may not offer the ability to get a quote online and usually these small insurance companies only sell through independent insurance agents. Low-cost 2016 Chevy Express insurance is definitely available both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from.

We covered many tips how you can compare 2016 Chevy Express insurance premium rates online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the most savings is with a small mutual company. Smaller companies may only write in your state and offer lower prices than their larger competitors like Progressive or GEICO.