Astonishing but true, most insurance buyers kept their coverage with the same insurance company for a minimum of four years, and 38% of drivers have never compared rates with other companies. Many drivers in Virginia could save about 45% a year by just shopping around, but they just don’t understand how much savings they would realize if they changed companies.
If you want to save the most money, the best way to get discount Chevy City Express insurance in Virginia Beach is to start comparing rates regularly from insurers who sell auto insurance in Virginia. This can be done by following these steps.
- Step 1: Spend a few minutes and learn about individual coverages and the measures you can control to keep rates low. Many rating factors that are responsible for high rates like inattentive driving and an imperfect credit score can be controlled by making small lifestyle or driving habit changes. This article gives more details to help prevent costly coverage and find available discounts that you may qualify for.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple companies. Compare rates now
- Step 3: Compare the new rate quotes to your current policy premium and see if you can save money. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
- Step 4: Provide notification to your current company of your decision to cancel your current coverage and submit the signed application along with the required initial payment for your new coverage. Immediately upon receiving it, keep your new certificate verifying coverage along with the vehicle’s registration papers.
One key aspect when comparing rates is that you’ll want to compare the same physical damage deductibles and liability limits on every price quote and and to get price estimates from all possible companies. This provides an apples-to-apples comparison and and a good selection of different prices.
Detailed insurance information
The rate table shown below highlights detailed analysis of prices for Chevy City Express models. Understanding more about how rate quotes are calculated can help you make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $148 | $270 | $270 | $16 | $80 | $784 | $65 |
| City Express Cargo 1500 2WD | $148 | $328 | $270 | $16 | $80 | $842 | $70 |
| City Express Cargo 3500 2WD | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| City Express 2500 LT 2WD | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| City Express 2500 2WD | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| City Express 2500 LS 2WD | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| City Express 3500 2WD | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| City Express Cargo 1500 AWD | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| City Express 1500 LS 2WD | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| City Express 1500 LS AWD | $170 | $386 | $270 | $16 | $80 | $922 | $77 |
| City Express 1500 AWD | $170 | $386 | $270 | $16 | $80 | $922 | $77 |
| City Express 1500 LT 2WD | $170 | $386 | $270 | $16 | $80 | $922 | $77 |
| City Express Cargo 1500 Turbo Diesel 2WD | $170 | $386 | $270 | $16 | $80 | $922 | $77 |
| City Express Cargo 2500 Turbo Diesel 2WD | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| City Express 3500 LT 2WD | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| City Express 3500 LS 2WD | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| City Express 3500 2WD | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| City Express 1500 LT AWD | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| City Express Cargo 3500 Turbo Diesel 2WD | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| City Express Cargo 1500 Turbo Diesel AWD | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific location information which can influence price quotes noticeably.
Drive responsibly or pay higher rates
The illustration below highlights how speeding tickets and at-fault claims can increase Chevy City Express car insurance rates for each different age group. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
Full coverage rates compared to liability-only
The chart below illustrates the comparison of Chevy City Express car insurance rates with full coverage and liability only. The price estimates are based on no claims or driving citations, $1,000 deductibles, single marital status, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no exact rule of when to exclude full coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s pretend your Chevy City Express book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after paying your deductible. If it’s costing in excess of $400 annually to have full coverage, then you might want to think about dropping full coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.
Chevy City Express Insurance Premiums Can Be Cheaper
An important part of buying insurance is that you know the different types of things that are used to determine your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Lots of things are considered when quoting car insurance. A few of the factors are predictable like an MVR report, but other factors are more transparent such as your credit history or how safe your car is.
Never go without auto insurance – Letting your insurance expire is a quick way to drive up your policy premiums. Not only will you pay more, the inability to provide proof of insurance may result in a steep fine or even jail time.
Costs go up with performance – The performance of the vehicle you are insuring makes a substantial difference in determining your rates. Lower performance four cylinder passenger models usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.
The following chart uses these assumptions: single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Chevrolet City Express car insurance rates compared to other models that have different risk factors.
Costs for males may be higher – Statistics demonstrate that females take fewer risks when driving. That doesn’t necessarily mean that women are better drivers. They both cause accidents at a similar rate, but guys get into accidents with more damage. They also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
The diagram below illustrates the comparison of Chevy City Express auto insurance costs for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Five star NHTSA crash test rating saves money – Safe vehicles can get you lower premiums. Safe vehicles reduce the chance of injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If the Chevy City Express is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
More comparisons equals cheap rates
In this article, we presented many ways to get a better price on Chevy City Express insurance in Virginia Beach. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Chevrolet City Express insurance quotes. Consumers could even find that the lowest rates are with a smaller regional carrier. Regional companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.
While you’re price shopping online, never skimp on coverage in order to save money. There are too many instances where an insured cut liability coverage limits and learned later they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.
Budget-friendly car insurance in Virginia Beach can be sourced on the web and from local agencies, and you should compare rates from both to get a complete price analysis. Some companies may not have the ability to get a quote online and many times these regional insurance providers provide coverage only through independent insurance agents.
Additional detailed information can be found at these sites:
- Credit and Insurance Scores (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)