Insurance Prices Decline for Chevy Express 2500 Drivers

Tired of being strong-armed to buy car insurance? You are in the same boat as many other drivers. You have so many auto insurance companies to choose from, and although it’s nice to have a choice, too many choices makes it more difficult to find the best rates for your vehicles.

It’s important to take a look at other company’s rates every six months since insurance rates are adjusted regularly by insurance companies. If you had the best rates for Express coverage a year ago you can probably find a better price now. Ignore everything you know about auto insurance because we’re going to demonstrate how to quote online to buy cheaper auto insurance.

What determines your Chevy Express 2500 insurance premium

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Understanding what determines base rates enables informed choices that may reward you with better auto insurance rates.

The list below includes some of the factors auto insurance companies consider when setting rates.

• Do you have enough liability coverage? – The liability section of your policy provides coverage if you are found liable for causing damage or personal injury in an accident. Liability provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
• Sex matters – Statistics have proven that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar numbers, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
• Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
• Do you need the policy add-ons? – There are a ton of extra coverages that you can get tricked into buying when buying auto insurance. Coverages like rental car reimbursement, accidental death and additional equipment coverage may be costing you every month. They may seem like a good idea initially, but now you might not need them so get rid of them and save.
• Performance influences rates – The type of car you are insuring makes a huge difference in your rates. Since the Chevrolet Express 2500 is classified as a van and minivan, insuring your vehicle will cost similar in price compared to average rates. Economy passenger cars generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.

Free Quotes for Auto Insurance

Getting a cheaper price on insurance doesn’t have to be difficult. All that’s required is to spend a few minutes comparing rate quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

1. The first (and easiest) way to find low rates is a comparison rater form (click to open form in new window). This easy form eliminates the need for separate quotes to each individual auto insurance company. A single, simple form will return quotes from many national carriers.
2. A more time consuming way to shop for auto insurance online requires visiting each company website to complete their respective quote request forms. For example, we’ll assume you want to compare rates from Liberty Mutual, State Farm and Progressive. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

However you get your quotes, double check that you are using the exact same coverages for every company. If each company quotes different deductibles then you won’t be able to make an equal comparison.

These discounts can slash auto insurance rates

Companies don’t always advertise all available discounts very clearly, so we took the time to find some of the best known and the more hidden auto insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
• Anti-theft System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
• Accident Forgiveness – Certain companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
• Paperwork-free – Certain companies may give you up to $50 for buying your policy online.
• Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Express coverage than their less cautious counterparts.
• Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It can save you around 10%.

Drivers should understand that most credits do not apply to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

When might I need the advice of an agent?

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can help discover if your situation could use an agent’s help.

• Is my cargo covered for damage or theft?
• Am I covered when using my vehicle for business?
• Does having multiple vehicles earn me a discount?
• Is my nanny covered when driving my vehicle?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Should I file a claim if it’s only slightly more than my deductible?
• Where can I get insurance after a DUI in my state?
• Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Cheaper insurance is a realistic goal

In this article, we presented a lot of ways to compare Chevy Express 2500 insurance prices online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Lower-priced Chevy Express 2500 insurance is attainable on the web and with local insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.