It's an obvious statement that auto insurance companies want to keep you from shopping around. Drivers who get price quotes annually are likely to move their business because there is a great chance of finding a lower rate. A study showed that people who routinely shopped around saved as much as $3,500 over four years compared to people who never shopped around for cheaper prices.
If finding budget-friendly rates on car insurance in Plano is the reason for your visit, then having a good understanding how to get free comparison quotes and analyze coverage rates can make shopping around easier.
Really, the only way to get more affordable Chevy City Express insurance in Plano is to start doing a yearly price comparison from insurers who sell insurance in Texas.
- Step 1: Spend a few minutes and learn about how auto insurance works and the measures you can control to prevent rate increases. Many things that cause high rates like accidents, traffic violations, and an imperfect credit rating can be eliminated by making minor changes in your lifestyle. Later in this article we will cover information to prevent rate hikes and find additional discounts.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple sources.
- Step 3: Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide notification to your current agent or company to cancel your current policy. Submit a signed application and payment to the new company. Don't forget to keep your new certificate verifying coverage above your visor, in the console, or in the glove compartment.
One important bit of advice is to make sure you're comparing the same coverage limits and deductibles on every quote request and and to get prices from as many different insurance providers as possible. This provides a fair price comparison and the best price selection.
Finding quotes for affordable coverage in Plano is not as time-consuming as you think. If you have insurance now or need new coverage, follow these tips to save money and still get good coverage. Drivers just need to learn the most time-saving way to buy car insurance from many companies at once.
Most of the larger companies like GEICO, State Farm and Progressive allow consumers to get coverage prices directly from their websites. Getting Chevy City Express insurance prices online is easy for anyone because you just enter the amount of coverage you want into the form. Upon sending the form, the company's rating system automatically retrieves your credit score and driving record and returns a price determined by many factors. This helps simplify price comparisons, and it's very important to do this if you are searching for the best auto insurance rates.
In order to find out what other companies charge, compare rates now from the companies shown below. To compare your current rates, we recommend that you enter the coverages as close as possible to your current policy. This way, you will have an apples-to-apples comparison based on similar coverages.
The companies shown below are our best choices to provide free quotes in Plano, TX. If multiple companies are listed, it's a good idea that you visit two to three different companies to get the lowest price.
Plano insurance discounts for a Chevy City Express
Insurance is expensive, but there are discounts available to reduce the price significantly. Some trigger automatically when you quote, but some may not be applied and must be requested specifically in order for you to get them.
- Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more on City Express insurance in Plano.
- Seat Belts Save more than Lives - Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Drive Less and Save - Keeping the miles down on your Chevy could be rewarded with better rates on cars that stay parked.
- Full Payment Discount - By making one initial payment rather than spreading payments over time you may reduce your total bill.
- Discounts for Multiple Vehicles - Drivers who insure more than one vehicle with the same company can get a discount on all vehicles.
- Good Driver Discounts - Insureds who avoid accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
- Accident-Free Discounts - Plano drivers who stay claim-free pay much less when compared with frequent claim filers.
- Save over 55 - Seniors may qualify for better insurance rates.
- Discount for Life Insurance - Insurance companies who offer life insurance give a discount if you purchase life insurance.
As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. So even though it sounds like it's possible to get free car insurance, it doesn't quite work that way. Any qualifying discounts should help reduce your overall bill.
The chart below shows the comparison of Chevy City Express yearly insurance costs with and without discounts applied. The rates are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, homeowner, multi-car, and multi-policy discounts applied.
Some of the insurance companies that may offer these benefits include:
If you need lower rates, check with each insurance company which discounts can lower your rates. Savings may not apply in Plano.
Insurance coverage details
The price information shown below highlights detailed analysis of policy rates for Chevy City Express models. Learning how insurance premiums are formulated can help guide drivers when making smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$246||$476||$430||$26||$128||$1,306||$109|
|City Express Cargo 1500 2WD||$246||$580||$430||$26||$128||$1,410||$118|
|City Express Cargo 3500 2WD||$282||$580||$430||$26||$128||$1,446||$121|
|City Express 2500 LT 2WD||$282||$580||$430||$26||$128||$1,446||$121|
|City Express 2500 2WD||$282||$580||$430||$26||$128||$1,446||$121|
|City Express 2500 LS 2WD||$282||$580||$430||$26||$128||$1,446||$121|
|City Express 3500 2WD||$282||$580||$430||$26||$128||$1,446||$121|
|City Express Cargo 1500 AWD||$282||$580||$430||$26||$128||$1,446||$121|
|City Express 1500 LS 2WD||$282||$580||$430||$26||$128||$1,446||$121|
|City Express 1500 LS AWD||$282||$684||$430||$26||$128||$1,550||$129|
|City Express 1500 AWD||$282||$684||$430||$26||$128||$1,550||$129|
|City Express 1500 LT 2WD||$282||$684||$430||$26||$128||$1,550||$129|
|City Express Cargo 1500 Turbo Diesel 2WD||$282||$684||$430||$26||$128||$1,550||$129|
|City Express Cargo 2500 Turbo Diesel 2WD||$318||$684||$430||$26||$128||$1,586||$132|
|City Express 3500 LT 2WD||$318||$684||$430||$26||$128||$1,586||$132|
|City Express 3500 LS 2WD||$318||$684||$430||$26||$128||$1,586||$132|
|City Express 3500 2WD||$318||$684||$430||$26||$128||$1,586||$132|
|City Express 1500 LT AWD||$318||$684||$430||$26||$128||$1,586||$132|
|City Express Cargo 3500 Turbo Diesel 2WD||$318||$684||$430||$26||$128||$1,586||$132|
|City Express Cargo 1500 Turbo Diesel AWD||$318||$684||$430||$26||$128||$1,586||$132|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific zip code location which can influence premiums significantly.
Comparison of insurance rates by age and gender in Plano
The chart below shows the comparison of Chevy City Express auto insurance costs for male and female drivers. The costs are based on a clean driving record, no claims, full coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The information below shows the difference between Chevy City Express premium costs with and without physical damage coverage. The prices are based on no accidents or driving violations, $250 deductibles, single marital status, and no discounts are applied.
When to stop buying full coverage
There is no specific rule to delete comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.
For example, let's assume your Chevy City Express settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying the physical damage deductible. If premium cost is more than $800 annually for physical damage coverage, then you may want to consider only buying liability coverage.
There are some situations where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
How Insurance Providers Determine Chevy City Express Insurance Rates
Multiple criteria are considered when you get a price on insurance. Some factors are common sense like a motor vehicle report, although others are more obscure like your continuous coverage or your vehicle rating. An important part of buying insurance is that you know a few of the rating criteria that help determine the level of your policy premiums. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that may result in lower car insurance prices.
The factors shown below are most of the major factors car insurance companies consider when setting your rates.
Older drivers save more - Drivers with little experience tend to be more careless when driving and because of this, their car insurance rates are much higher. Having to add a youthful driver onto a policy can increase premiums substantially. Older people are more responsible, file fewer claims, and receive fewer citations.
The chart below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Liability coverage risk factors - The liability section of your policy provides coverage when you are determined to be liable for causing damage or personal injury in an accident. Liability provides you with a defense in court to defend your case. This coverage is very inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Performance impacts insurance costs - The make and model of the car you need to insure makes a significant difference in your rates. Low performance passenger models generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
The chart below uses these assumptions: single female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Chevrolet City Express car insurance rates compared to other models that have different performance risks.
Increase deductibles and save - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims would be running into the backend of another car, damage caused by hail, and damage from a fallen tree branch. Comp and collision deductibles define the amount you are required to spend out-of-pocket if the claim is covered. The higher the amount the insured is willing to pay, the less your company will charge you for insurance.
Safer the car lower the rate - Vehicles with high crash test scores cost less to insure. Safer cars reduce the chance of injuries and fewer injuries translates into savings for insurance companies which can result in lower premiums. If your Chevy City Express has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.
Little extras can really add up - There are many extra add-on coverages that may not really be needed on your car insurance policy. Coverages for rental car coverage, accident forgiveness, and extra equipment coverage are some examples. The coverages may be enticing at first, but if they're wasting money think about removing them and cutting costs.