No sane person looks forward to buying auto insurance, in particular when it costs too dang much. Online insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and find the best price available.
Consumers should take time to compare premium rates before your next renewal because auto insurance rates are variable and change quite frequently. Just because you had the best premium rates on Express insurance six months ago there may be better deals available now. There is a lot of wrong information about auto insurance out there, but in just a couple of minutes you can learn some of the best techniques to quit paying high auto insurance rates.
Finding a lower price on Chevy Express 1500 insurance is actually quite simple. The only thing you need to do is invest a few minutes comparing rates to discover which company has . It’s super easy and can be done by using one of the methods below.
- Probably the best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This style of form keeps you from doing repetitive form submissions for each price estimate. A single form gets prices estimates from multiple companies.
- A more time consuming way to analyze rates is going to each individual company website to complete a price quote. For instance, let’s assume you need rates from GEICO, Farmers and Allstate. You would need to visit each site to input your insurance information, which can be really labor intensive. For a handy list of car insurance company links in Dallas, click here.
- If you have time to kill, the last way to compare rates is driving around to insurance agencies in your area. Quoting and buying insurance online has made agencies unnecessary unless you have a complicated situation and need the personal advice that can only be provided by a licensed insurance agent. Although you can price shop online but still have the advice of a local agent.
Take whichever approach you prefer, but double check that you are using exactly the same quote data on every quote. If you enter differing limits it’s not possible to truly determine the lowest rate in Dallas.
Save a ton with these ten discounts
Car insurance is not cheap, but you may find discounts that you may not even know about. Some trigger automatically when you complete an application, but a few must be asked for before being credited. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Express insurance than less cautious drivers.
- Military Discounts – Being deployed in the military can result in better prices.
- Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you may save approximately 10% to 15%.
- Good Student – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
- Early Renewal Discounts – Some companies provide a discount for switching companies prior to your current policy expiration. The savings is around 10%.
- Drive Less and Save – Keeping the miles down on your Chevy can earn substantially lower auto insurancerates.
- Anti-lock Brake System – Cars and trucks with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
- One Accident Forgiven – This isn’t a discount exactly, but companies like GEICO and Liberty Mutual will allow you to have one accident without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
Remember that many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way.
Car insurance companies who might offer these benefits may include but are not limited to:
Before purchasing a policy, check with every insurance company which discounts you qualify for. Some credits might not be offered in Dallas. To find companies that can offer you the previously mentioned discounts in Texas, click here to view.
What is the best auto insurance coverage?
When choosing coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you may require specific advice.
- Am I covered when driving in Canada or Mexico?
- Why am I required to get a high-risk car insurance policy?
- When would I need rental car insurance?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Where can I get insurance after a DUI in Texas?
- Am I covered when using my vehicle for business?
- Do I need to file an SR-22 for a DUI in Texas?
- Do I get a pro-rated refund if I cancel my policy early?
- I have good health insurance, so how much medical payments coverage do I need?
- When should my teen driver be added to my policy?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Information about specific coverages
Understanding the coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.
Liability coverage
Liability coverage will cover damage that occurs to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against things like emergency aid, structural damage and pain and suffering. How much coverage you buy is your choice, but you should buy as much as you can afford. Texas requires drivers to carry at least 30,000/60,000/25,000 but you should consider buying more liability than the minimum.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for short-term medical expenses such as dental work, hospital visits and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Uninsured and underinsured coverage
Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits (30/60/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.
Comprehensive coverages
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Collision insurance
Collision insurance pays for damage to your Express 1500 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as crashing into a building, sideswiping another vehicle, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.
Informative consumer insurance sites
Additional information is available on the through this link. Texas consumers can learn about specific coverages, read consumer alerts, view a list of available companies, and file complaints about an insurance agent or broker.
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