Smart shoppers know that auto insurance companies don’t want you to look at other companies. People who compare rates once a year are inclined to buy a new policy because there is a high probability of finding a more affordable policy. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved over $865 a year as compared to drivers who never shopped around.
If finding the best rates on auto insurance is your goal, then understanding how to get free comparison quotes and analyze cheaper coverage can make the process more efficient.
It takes a little time, but the best way to get discount Chevy City Express insurance in Lubbock is to regularly compare prices from insurers who sell insurance in Texas. Prices can be compared by completing these steps.
- Step 1: Read and learn about individual coverages and the modifications you can make to lower rates. Many risk factors that increase rates such as inattentive driving and poor credit history can be eliminated by being financially responsible and driving safely.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while agents who are independent can quote prices from multiple companies.
- Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a better price and make a switch, verify that coverage does not lapse between policies.
- Step 4: Provide written notification to your current company to cancel your current policy and submit a down payment and signed policy application for the new coverage. Once the application is submitted, safely store the certificate verifying proof of insurance in your vehicle.
A crucial key to this process is to compare identical deductibles and limits on each quote request and and to get rate quotes from as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and a complete price analysis.
We hope to tell you the best way to buy inexpensive auto insurance and some tricks to saving. If you currently have auto insurance, you stand a good chance to be able to reduce the price you pay using this strategy. Smart buyers just need to know the most efficient way to compare company rates from multiple carriers.
All major auto insurance companies such as State Farm, Allstate and GEICO make it easy to get pricing from their websites. Getting quotes for Chevy City Express insurance in Lubbock is pretty painless as you simply type in the coverages you want into the quote form. Behind the scenes, their quoting system requests your driving record and credit report and returns a price based on many factors.
Getting online rate quotes for Chevy City Express insurance in Lubbock makes comparing rates easy, and it’s necessary to compare as many rates as possible in order to get the best rate.
In order to compare pricing, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you enter the limits and deductibles as shown on your current policy. Doing this guarantees you will receive a fair comparison using the same coverage and limits.
The companies shown below have been selected to offer price comparisons in Texas. If you want cheaper auto insurance in Lubbock, TX, it’s a good idea that you visit several of them to get the most affordable price.
Car insurance discounts help lower rates for Chevy City Express insurance in Lubbock
Buying car insurance is not cheap, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be inquired about before they will apply.
- Good Student Discount – Performing well in school could provide a savings of up to 20% or more. This discount can apply up to age 25.
- Discount for Home Ownership – Just owning your own home can help you save on car insurance because of the fact that having a home is proof of financial responsibility.
- More Vehicles More Savings – Purchasing coverage when you have multiple cars with the same car insurance company could earn a price break for each car.
- Memberships – Being in a qualifying organization is a simple method to lower premiums on car insurance.
- Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.
- Buy New and Save – Putting coverage on a new City Express may earn a small discount because new vehicles are generally safer.
- Life Insurance – Larger car insurance companies have a break if you buy a life policy as well.
- Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
- Early Signing – A few insurance companies offer discounts for renewing your policy before your current coverage expires. The savings is around 10%.
It’s important to understand that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount should help lower the premium cost.
The information below shows the comparison of Chevy City Express insurance premiums with and without discounts applied to the premium. The data assumes a male driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, marriage, and homeowner discounts applied.
For a list of car insurance companies that offer discounts in Lubbock, click this link.
The information below highlights a range of insurance prices for Chevy City Express models. Learning as much as possible about how insurance quotes are figured can help you make decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$274||$550||$496||$30||$148||$1,498||$125|
|City Express Cargo 1500 2WD||$274||$670||$496||$30||$148||$1,618||$135|
|City Express Cargo 3500 2WD||$314||$670||$496||$30||$148||$1,658||$138|
|City Express 2500 LT 2WD||$314||$670||$496||$30||$148||$1,658||$138|
|City Express 2500 2WD||$314||$670||$496||$30||$148||$1,658||$138|
|City Express 2500 LS 2WD||$314||$670||$496||$30||$148||$1,658||$138|
|City Express 3500 2WD||$314||$670||$496||$30||$148||$1,658||$138|
|City Express Cargo 1500 AWD||$314||$670||$496||$30||$148||$1,658||$138|
|City Express 1500 LS 2WD||$314||$670||$496||$30||$148||$1,658||$138|
|City Express 1500 LS AWD||$314||$788||$496||$30||$148||$1,776||$148|
|City Express 1500 AWD||$314||$788||$496||$30||$148||$1,776||$148|
|City Express 1500 LT 2WD||$314||$788||$496||$30||$148||$1,776||$148|
|City Express Cargo 1500 Turbo Diesel 2WD||$314||$788||$496||$30||$148||$1,776||$148|
|City Express Cargo 2500 Turbo Diesel 2WD||$356||$788||$496||$30||$148||$1,818||$152|
|City Express 3500 LT 2WD||$356||$788||$496||$30||$148||$1,818||$152|
|City Express 3500 LS 2WD||$356||$788||$496||$30||$148||$1,818||$152|
|City Express 3500 2WD||$356||$788||$496||$30||$148||$1,818||$152|
|City Express 1500 LT AWD||$356||$788||$496||$30||$148||$1,818||$152|
|City Express Cargo 3500 Turbo Diesel 2WD||$356||$788||$496||$30||$148||$1,818||$152|
|City Express Cargo 1500 Turbo Diesel AWD||$356||$788||$496||$30||$148||$1,818||$152|
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific zip code location which can alter prices considerably.
The information below illustrates how your deductible choice and can influence Chevy City Express insurance costs for different age groups. The information is based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.
Tickets and at-fault accidents raise rates
The diagram below illustrates how speeding tickets and accident claims can drive up Chevy City Express car insurance costs for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
Gender-based auto insurance rates
The information below visualizes the comparison of Chevy City Express insurance costs for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $500 deductibles, single marital status, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The diagram below illustrates the difference between Chevy City Express insurance premiums when comparing full coverage to state minimum liability only. The price estimates are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
When to buy liability coverage only
There isn’t a written rule to stop buying full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Chevy City Express replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying over $700 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some conditions where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Chevy City Express Insurance Costs Can Be More Affordable
An important part of buying insurance is that you know the different types of things that are used to determine the rates you pay for car insurance. If you have some idea of what influences your rates, this enables informed choices that will entitle you to much lower annual insurance costs. Multiple criteria are part of the equation when premium rates are determined. Some are obvious such as your driving record, although others are more obscure like your continuous coverage or your commute time.
- Marriage can lower costs – Getting married may cut your premiums on your car insurance bill. Having a spouse generally demonstrates drivers are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
Younger driver insurance costs – Teenage drivers in Texas have been known to be easily distracted behind the wheel so they pay higher car insurance rates. Older people tend to be more responsible, cost insurance companies less in claims, and usually have better credit.
The data below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Choose high NHTSA crash test ratings and save – Cars with five star safety ratings tend to have lower insurance rates. These vehicles result in less severe injuries and fewer serious injuries translates directly to fewer claims and thus lower rates. If the Chevy City Express has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
- Stress out and pay more – Careers such as real estate brokers, architects, and miners are shown to have higher average rates in part from high stress levels and long work days. Other careers like farmers, engineers and homemakers generally pay rates lower than average.
- Incidental coverages that aren’t used – Insurance companies have many extra add-on coverages that can add up if you aren’t diligent. Insurance for vanishing deductibles, high-cost glass coverage, and membership fees may be costing you every month. These may sound like a good investment at first, but your money might be better spent on other coverage so get rid of them and save.
- Rates can drop if you have more than one policy – Many car insurance companies provide a discount to people that purchase more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, you still need to compare other company rates to ensure the best deal.
- Prices impacted by vehicle usage – The more miles you rack up on your Chevy every year the more you’ll pay to insure it. The majority of insurers rate vehicles based upon how the vehicle is primarily used. Vehicles that have low annual miles cost less to insure than vehicles that are driven to work every day. It’s a good idea to make sure your car insurance policy shows annual mileage. An incorrectly rated City Express may be wasting your money.
- Where you live can impact costs – Choosing to live in areas with lower population has definite advantages if you are looking for the lowest rates. Fewer drivers corresponds to lower accident rates. People who live in big cities have to deal with congested traffic and much longer commute distances. Spending more time driving translates into higher accident risk.