Car Insurance Quotes for a Chevrolet Express

The average annual premium for a Chevrolet Express auto policy is $1,516 for full coverage and $442 for minimum liability coverage.

Two of the most popular types of coverage are state minimum liability and full coverage. They protect against many scenarios, paying out claims up to specified limits, resulting in less out-of-pocket costs for policyholders. Purchasing either will help you remain in compliance to drive legally in your state.

Freeway Insurance will help you explore any questions about our affordable policies. Let’s find the right option in line with your needs and budget.

Chevrolet Express drivers can benefit from several insurance options, including state minimum liability and full coverage.

Full coverage offers third-party benefits through liability, collision, and comprehensive.

Full Coverage

A full coverage policy generally includes the following: liability, collision, and comprehensive coverage. Liability pays for medical bills, lost income, and legal expenses for injured parties in an accident where you are determined to be at fault.

In turn, collision and comprehensive protect against vehicle-to-vehicle collisions, theft, vandalism, falling tree limbs, and rollover collisions.

Although not specifically mentioned as part of a full policy, Chevrolet Express drivers can purchase add-ons for greater peace of mind, such as rental car reimbursement and roadside assistance.

State Minimum Liability and the Chevrolet Express

Every state requires its drivers to carry state minimum liability or the least amount of legal auto coverage to drive. These requirements are typically expressed as three numbers, such as 25/50/10.

For instance, in Delaware, every driver must carry a minimum of $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage liability per accident. Delaware drivers are also required to carry $15,000/$30,000 in Personal Injury Protection (PIP) to help with immediate medical bills.

However, these limits are very low in the case of a severe accident. Considering the average cost of a new vehicle, which is usually somewhere between $25,000-$50,000, Delaware’s minimum for property damage would not cover a total loss. If you only carry this type of coverage and experience such an accident, you will incur significant out-of-pocket costs.

Outside of age, gender, and location, many other factors influence auto insurance pricing for drivers, including policy limits, deductible amount, and driving record.

Limits

Remember your coverage limits. The higher your limits, the higher your premiums, as you have more financial protection in case of an accident, resulting in fewer out-of-pocket costs for you.

Deductible Amount

One way to lower your premiums is by choosing a higher deductible. The higher your deductible, the less money your provider will pay out in claims. On the other hand, a lower deductible means the opposite—the insurance company is responsible for a larger portion of the claim—so you should expect higher premiums.

Driving Record

Do you have a blemish-free record with no at-fault accidents, claims, or traffic infractions in the past three to five years? If so, you likely qualify for reduced rates and a good driver discount.

Driving under the influence (DUI) is a terrible idea. It has a significant impact on auto premiums and carries many other consequences.

First, you can expect higher premiums to cover potential claims. As a newly classified high-risk driver, your provider perceives you as more likely to be involved in future accidents. Additionally, you will be required to file for an SR-22, a document that informs the state that you have the mandated minimum liability.

Second, you should be aware that any good driver discounts may no longer apply to you. To be eligible for such discounts, you must maintain a clean driving record, and a DUI conviction will immediately revoke your status.

Lastly, your company may be reluctant to renew or adjust your policy after a DUI conviction. In severe cases, they may even terminate your policy altogether. You may be forced to shop around for cheap DUI car insurance.