How Much Does 2018 Chevrolet Express Insurance Cost 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: May 2, 2024

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Want better auto insurance rates? Drivers have lots of choices when trying to find low-cost Chevy Express insurance. You can either waste hours calling around trying to get quotes or save time using the internet to get rate quotes.

There are both good and bad ways to buy auto insurance and you need to know the proper way to get price quotes for a Chevy and locate the cheapest rates either online or from local insurance agents.

The method we recommend to get rate comparisons is to take advantage of the fact most insurance companies participate in online systems to compare rate quotes. The one thing you need to do is provide the companies a bit of rating information like your credit rating estimate, the type of vehicles you drive, if you’re married, and your job. The data gets sent immediately to multiple companies and you should receive rate quotes within a short period of time.

If you wish to get multiple quotes for your Chevy Express now, click here and find out if lower rates are available.

Cheap auto insurance quotes with discounts

Companies offering auto insurance don’t always advertise every possible discount in a way that’s easy to find, so the list below details a few of the more well known and the more hidden discounts you could be receiving when you buy auto insurance online.

  • Good Grades Discount – Maintaining excellent grades may save as much as 25% on a auto insurance quote. This discount can apply up until you turn 25.
  • Early Signing – A few companies offer discounts for switching to them early. It’s a savings of about 10%.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Express coverage with certain companies.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
  • Student in College – Children who live away from home at college and do not have a car can receive lower rates.
  • Onboard Data Collection – Drivers who elect to allow their company to spy on where and when they drive through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as they are good drivers.
  • Accident Free – Insureds who avoid accidents and claims have much lower rates as opposed to policyholders that have many claims.
  • Include Life Insurance and Save – Larger auto insurance companies have a small discount if you purchase some life insurance in addition to your auto policy.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

Large auto insurance companies and a summarized list of policyholder discounts can be read below.

  • American Family may offer discounts for TimeAway discount, accident-free, bundled insurance, good student, early bird, and Steer into Savings.
  • State Farm discounts include accident-free, driver’s education, passive restraint, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, and good driver.
  • 21st Century offers discounts for air bags, theft prevention, homeowners, early bird, driver training, and anti-lock brakes.
  • Travelers offers discounts including home ownership, multi-car, hybrid/electric vehicle, student away at school, good student, and save driver.
  • GEICO has savings for seat belt use, good student, military active duty, defensive driver, and anti-lock brakes.

When comparing rates, check with all the companies which credits you are entitled to. Savings may not be available in your area. To see insurers that offer the discounts shown above, enter your zip code here.

Eight tips to get lower-cost insurance rates

Many factors are considered when premium rates are determined. Most are fairly basic like a motor vehicle report, although some other factors are less obvious like where you live or your vehicle rating.

  • Policy add-ons add up – There are a ton of optional add-on coverages that can waste your money on your insurance coverage policy. Insurance for roadside assistance, accidental death, and extra equipment coverage are examples of these. They may sound like good ideas when discussing your needs, but if you have no use for them think about removing them and cutting costs.
  • Discounts for multiple policies – Some insurance companies provide better rates for people that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money.
  • Being married is a bonus – Being married helps lower the price compared to being single. Having a spouse is viewed as being more mature and responsible and insurance companies reward insureds because married couples file fewer claims.
  • lapses raise prices – Driving without insurance is a misdemeanor and companies may charge more for letting your coverage have a gap. And not only will your rates increase, getting caught without coverage may result in a steep fine or even jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Get a ticket, pay higher rates – Only having one ticket may cause rates to rise twenty percent or more. Good drivers pay lower auto insurance prices than bad drivers. Drivers who get flagrant violations like DUI or willful reckless driving may find that they have to to file a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Insurance rates and driver gender – Over the last 30 years, statistics show that women are safer drivers than men. However, don’t assume that females are better at driving than males. They both have accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as DWI and reckless driving.
  • Poor credit can mean higher costs – Having a bad credit score is a large factor in determining what you pay for insurance coverage. Insureds with very high credit ratings tend to be better risks to insure than drivers who have bad credit. Therefore, if your credit history can be improved, you could pay less to insure your 2018 Chevrolet Express by improving your credit score.
  • Lower premiums with theft deterrents – Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft and help lower rates.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

For instance, these questions might help in determining if you might need an agent’s assistance.

  • Am I covered when driving in Canada or Mexico?
  • Exactly who is provided coverage by my policy?
  • Is my state a no-fault state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my 2018 Chevy Express covered for flood damage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It is quick, free and may give you better protection.

Does insurance advertising bend the truth?

Consumers can’t get away from all the ads for cheaper insurance from the likes of 21st Century, Allstate and State Farm. They all advertise claims about saving some big amount just by switching your coverage.

How is it possible that every company can charge you less for car insurance? This is the way they can do it.

Many companies quote their cheapest rates for the type of driver that earns them a profit. An example of a profitable risk profile could possibly be over the age of 45, has few claims, and has a high credit rating. Any customer that hits that “sweet spot” may get the lowest premium rates and as a result will probably pay quite a bit less when switching companies.

Drivers who do not fit these stringent criteria may be required to pay a more expensive rate and ends up with the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” save that much. This is how insurance companies can confidently make those claims.

That is why you should get auto insurance quotes as often as possible. Because you cannot predict which company will provide you with the cheapest car insurance rates.

Educate yourself about car insurance coverages

Understanding the coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Express.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for funeral costs, doctor visits, dental work, ambulance fees and prosthetic devices. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

Liability coverage protects you from damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering, medical expenses and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a broken windshield and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, damaging your car on a curb, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

In conclusion

Drivers switch companies for a number of reasons such as being labeled a high risk driver, delays in responding to claim requests, high rates after DUI convictions or even denial of a claim. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

Lower-priced 2018 Chevy Express insurance can be bought online as well as from insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some auto insurance companies may not provide rates over the internet and most of the time these smaller providers work with independent agents.

When you buy auto insurance online, don’t be tempted to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

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