It’s amazing but a large majority of consumers have stayed with the same insurance company for at least the last four years, and nearly 40% of drivers have never compared auto insurance rates at all. Consumers in Texas could cut their rates by 70% a year, but they underestimate the actual amount they would save if they just switched companies.
If you want to save money, the best way to save on Chevy City Express insurance is to compare prices once a year from different companies who provide auto insurance in El Paso. This can be done by completing these steps.
- First, spend a few minutes and learn about what coverages are included in your policy and the things you can control to prevent expensive coverage. Many rating criteria that cause high rates such as careless driving and an unacceptable credit score can be controlled by making minor changes to your lifestyle.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of companies.
- Third, compare the new rates to your current policy to see if switching to a new carrier will save money. If you find a better price and change companies, make sure coverage does not lapse between policies.
A crucial key to this process is to make sure you enter the same amount of coverage on each price quote and and to compare as many carriers as you can. Doing this enables a level playing field and a complete selection of prices.
Eight Things That Influence Your Insurance Premiums
A large part of saving on car insurance is knowing a few of the rating criteria that come into play when calculating car insurance rates. When you understand what determines base rates, this allows you to make good choices that can earn you much lower annual insurance costs. Lots of factors are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other factors are less obvious like your continuous coverage or how safe your car is.
Maintain car insurance coverage – Driving without insurance is against the law and car insurance companies will penalize you for letting your coverage have a gap. In addition to paying higher rates, not being able to provide proof of insurance may earn you fines and jail time.
Lower performance equals lower insurance prices – The performance level of the vehicle you need to insure makes a significant difference in your premium level. The best insurance prices will normally be found when insuring lower cost passenger cars, but that’s not the only thing that factors into the final price.
The next chart uses these assumptions: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Chevrolet City Express rates compared to other vehicles that have a range of risk factors.
Does insurance cost less for gals? – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Both sexes have auto accidents in similar numbers, but the men have accidents that have higher claims. Men also get ticketed for serious violations like DUI and reckless driving.
The illustration below shows the difference between Chevy City Express premium costs for male and female drivers. The premium estimates are based on no claims or violations, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.
Premiums are affected by your credit rating – Your credit history factor in determining what you pay for car insurance. If your credit leaves room for improvement, you could potentially save money when insuring your Chevrolet City Express by repairing your credit. Insureds with very good credit scores tend to be more responsible and file fewer claims as compared to drivers with bad credit.
Extra policy coverages can cost a lot – Insurance companies have many extra coverages that sound like a good idea at the time but may not be useful. Coverages like replacement cost coverage, accident forgiveness, and term life insurance may be wasting your money. They may seem like a good idea at first, but if you don’t need them consider taking them off your policy.
Filing policy claims can cost you – If you are the type of insured that files lots of claims you can look forward to either policy cancellation or increased premiums. Companies in Texas generally give discounts to insureds who file claims infrequently. Auto insurance is intended for the large, substantial claims.
High physical damage deductibles equal low rates – The deductibles define the amount you are required to pay if a covered claim is submitted. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are colliding with a stationary object, damage from fire, and having a roll-over accident. The more money the insured is willing to pay, the bigger discount you will receive.
Discounts for GPS tracking and theft deterrents – Choosing a vehicle with a theft deterrent system can earn a premium discount. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your car from being stolen.
Chevy City Express insurance rates and statistics
The information displayed next showcases estimates of insurance prices for Chevy City Express models. Being more informed about how rates are figured can help customers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $190 | $302 | $392 | $24 | $118 | $1,026 | $86 |
| City Express Cargo 1500 2WD | $190 | $368 | $392 | $24 | $118 | $1,092 | $91 |
| City Express Cargo 3500 2WD | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| City Express 2500 LT 2WD | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| City Express 2500 2WD | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| City Express 2500 LS 2WD | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| City Express 3500 2WD | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| City Express Cargo 1500 AWD | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| City Express 1500 LS 2WD | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| City Express 1500 LS AWD | $218 | $434 | $392 | $24 | $118 | $1,186 | $99 |
| City Express 1500 AWD | $218 | $434 | $392 | $24 | $118 | $1,186 | $99 |
| City Express 1500 LT 2WD | $218 | $434 | $392 | $24 | $118 | $1,186 | $99 |
| City Express Cargo 1500 Turbo Diesel 2WD | $218 | $434 | $392 | $24 | $118 | $1,186 | $99 |
| City Express Cargo 2500 Turbo Diesel 2WD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| City Express 3500 LT 2WD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| City Express 3500 LS 2WD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| City Express 3500 2WD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| City Express 1500 LT AWD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| City Express Cargo 3500 Turbo Diesel 2WD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| City Express Cargo 1500 Turbo Diesel AWD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in your specific El Paso location which can modify premiums greatly.
How careless driving impacts auto insurance rates
The chart below demonstrates how citations and at-fault claims raise Chevy City Express yearly insurance costs for each age group. The information is based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
Price comparison of only insuring for liability
The chart below illustrates the difference between Chevy City Express insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The information is based on no accidents, no driving violations, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop full coverage
There is no set rule to stop buying physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Chevy City Express replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying your policy deductible. If you are currently paying more than $700 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some cases where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Get cheaper Chevy City Express insurance in El Paso with discounts
Auto insurance companies do not list their entire list of discounts in a way that’s easy to find, so we took the time to find both the well known and also the more inconspicuous credits available to you. If you’re not getting every credit possible, you’re paying more than you need to.
- Early Switch Discount – Select companies give a discount for switching companies before your current coverage expires. This discount can save up to 10%.
- Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could qualify for cheaper rates.
- 55 and Retired – Drivers that qualify as senior citizens are able to get lower premium rates.
- Sign Online – A few larger companies give back up to $50 just for signing your application over the internet.
- Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% due to better safety requirements for new model year vehicles.
- Multiple Vehicles – Drivers who insure all your vehicles on one policy can reduce the rates for all insured vehicles.
We need to note that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like you could get a free insurance policy, companies don’t profit that way.
The information below illustrates the comparison of Chevy City Express insurance prices with and without some available policy discounts. The prices are based on a male driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, claim-free, multi-policy, and safe-driver discounts applied.
Auto insurance companies that have these benefits include:
Check with each insurance company to give you their best rates. A few discounts may not apply to policies in your area. To view companies who offer free Chevy City Express insurance quotes in El Paso, click here to view.
Cover all your bases
Some insurance companies do not offer online rate quotes and these regional carriers work with independent insurance agencies. Budget-friendly insurance in El Paso can be found online and from local insurance agents, so you should compare both in order to have the best chance of saving money.
As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.
People change insurance companies for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, questionable increases in premium or even unfair underwriting practices. It doesn’t matter what your reason, switching companies is less work than it seems.
To learn more, link through to the resources below:
- Older Driver Statistics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)