It’s easy to assume that insurance companies don’t want you quoting rates from other companies. Drivers who shop around for cheaper price quotes are highly likely to move their business because there is a good probability of getting low-cost coverage. A recent auto insurance study revealed that consumers who shopped around every year saved $850 each year compared to drivers who never compared prices.
If finding discount rates on auto insurance in Oakland is why you’re here, then learning a little about how to get price quotes and compare insurance rates can save time and money.
The best way we recommend to find more affordable Chevy City Express insurance is to compare quotes once a year from insurers in Oakland.
- Step 1: Try to learn a little about the different coverages in a policy and the measures you can control to prevent expensive coverage. Many factors that increase rates such as traffic citations and a low credit rating can be remedied by making minor changes to your lifestyle. Read the full article for the details to get cheaper rates and earn larger discounts.
- Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies.
- Step 3: Compare the new rates to the price on your current policy to determine if you can save on City Express insurance in Oakland. If you find a better price and decide to switch, make sure there is no coverage gap between policies.
- Step 4: Tell your current agent or company to cancel the current policy. Submit the application along with any required down payment for the new coverage. Once the paperwork is finalized, safely store the certificate of insurance with your vehicle’s registration.
One tip to remember is that you’ll want to compare identical limits and deductibles on each quote and and to analyze as many different insurance providers as possible. Doing this ensures a fair rate comparison and a thorough selection of prices.
If you are insured now or are looking for a new policy, use these techniques to reduce the price you pay without having to cut coverage. Buying the cheapest car insurance in Oakland is actually very simple if you learn how to start. Comparison shoppers only need an understanding of how to compare rate quotes using one simple form.
Discounts can help lower rates on Chevy City Express insurance in Oakland
Some companies don’t always publicize every available discount very clearly, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Oakland auto insurance online.
- Home Ownership Discount – Owning a house in Oakland can save a few bucks because maintaining a house means you have a higher level of financial diligence.
- Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more on City Express insurance in Oakland.
- Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Seat Belt Discounts – Requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings as much as 30%.
- College Student – Kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
- Student Driver Training – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
- Multi-Vehicle Discounts – Insuring all your vehicles with one company can reduce rates for all insured vehicles.
- Lower Rates for Military – Having a family member in the military may lower your insurance rates slightly.
- Paperwork-free – Many larger companies may give you up to $50 for buying your policy on their website.
One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any qualifying discounts will help reduce the cost of your policy.
The information below shows the difference between Chevy City Express insurance costs with and without discounts applied. The rates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, safe-driver, claim-free, and homeowner discounts applied.
Some companies that possibly offer some of the discounts shown above may include but are not limited to:
Double check with every insurance company which discounts they offer. A few discounts might not be available to policyholders everywhere.
The car insurance companies shown below offer free quotes in California. If multiple companies are listed, we recommend you get rate quotes from several of them in order to find the most competitive rates.
Chevy City Express insurance statistics and information
The premium table shown below showcases detailed analysis of rate quotes for Chevy City Express models. Understanding more about how insurance policy rates are figured can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $256 | $488 | $500 | $30 | $150 | $1,424 | $119 |
| City Express Cargo 1500 2WD | $256 | $592 | $500 | $30 | $150 | $1,528 | $127 |
| City Express Cargo 3500 2WD | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| City Express 2500 LT 2WD | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| City Express 2500 2WD | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| City Express 2500 LS 2WD | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| City Express 3500 2WD | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| City Express Cargo 1500 AWD | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| City Express 1500 LS 2WD | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| City Express 1500 LS AWD | $294 | $698 | $500 | $30 | $150 | $1,672 | $139 |
| City Express 1500 AWD | $294 | $698 | $500 | $30 | $150 | $1,672 | $139 |
| City Express 1500 LT 2WD | $294 | $698 | $500 | $30 | $150 | $1,672 | $139 |
| City Express Cargo 1500 Turbo Diesel 2WD | $294 | $698 | $500 | $30 | $150 | $1,672 | $139 |
| City Express Cargo 2500 Turbo Diesel 2WD | $332 | $698 | $500 | $30 | $150 | $1,710 | $143 |
| City Express 3500 LT 2WD | $332 | $698 | $500 | $30 | $150 | $1,710 | $143 |
| City Express 3500 LS 2WD | $332 | $698 | $500 | $30 | $150 | $1,710 | $143 |
| City Express 3500 2WD | $332 | $698 | $500 | $30 | $150 | $1,710 | $143 |
| City Express 1500 LT AWD | $332 | $698 | $500 | $30 | $150 | $1,710 | $143 |
| City Express Cargo 3500 Turbo Diesel 2WD | $332 | $698 | $500 | $30 | $150 | $1,710 | $143 |
| City Express Cargo 1500 Turbo Diesel AWD | $332 | $698 | $500 | $30 | $150 | $1,710 | $143 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in your specific Oakland location which can impact premium rates greatly.
The illustration below highlights how deductible choice and can raise or lower Chevy City Express annual premium costs for different age categories. Data assumes a married male driver, comp and collision included, and no discounts are applied.
Impact of careless driving on insurance rates
The illustration below shows how violations and accident claims increase Chevy City Express yearly insurance costs for different age categories. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Does it make sense to buy full coverage?
The diagram below visualizes the comparison of Chevy City Express premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are factored in.
When to switch to liability coverage only
There is no definitive rule to delete full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage 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 pretend your Chevy City Express book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after you pay the deductible. If premium cost is more than $400 annually for full coverage, then it might be time to buy liability only.
There are a few cases where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Smart Choices Result in Lower Insurance Premiums
Many things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, although some other factors are more transparent such as your credit history and annual miles driven.
Shown below are some of the things utilized by car insurance companies to help set prices.
- Only buy coverage you need – Insurance companies have many add-on coverages that can waste your money on your car insurance policy. Coverages like vanishing deductibles, towing coverage, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
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Men are more aggressive – Over the last 30 years, statistics show women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Both genders are responsible for at-fault accidents in similar percentages, but males cause more damage. In addition to higher claims, males also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
The illustration below visualizes the comparison of Chevy City Express insurance costs for male and female drivers. The data assumes no claims, a clean driving record, comp and collision included, $250 deductibles, marital status is single, and no discounts are taken into consideration.
- Pleasure use saves money – The higher the miles on your Chevy in a year the more you will pay for car insurance. A lot of companies charge to insure your cars partially by how you use the vehicle. Vehicles not used for work or commuting receive lower rates than cars that get driven a lot. Having an incorrect usage rating on your City Express can cost quite a bit. Verify your car insurance policy states the correct usage, because improper ratings can cost you money.
- Always keep your car insurance in place – Driving without insurance can get your license suspended and car insurance companies will penalize you for letting your insurance expire. And not only will your rates increase, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
- Certain employers pay higher rates – Occupations like military personnel, executives, and medical professionals tend to pay higher average rates in part from stressful work requirements and long work hours. On the flip side, professions such as actors, students and retirees have the lowest average rates.
Everyone needs different auto insurance coverages
Always remember that when buying a policy, there really is not a one size fits all plan. Everyone’s situation is a little different.
These are some specific questions can help discover whether you may require specific advice.
- Do I need rental car coverage?
- What is UM/UIM insurance?
- Does car insurance cover theft of personal property?
- When should I remove comp and collision on my Chevy City Express?
- What happens if I owe more than my Chevy City Express is worth?
- Will I be non-renewed for getting a DUI or other conviction?
- Is a driver training discount available?
- Is borrowed equipment or tools covered if stolen or damaged?
- When should I not buy collision coverage?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
Independent versus exclusive insurance agents
Many people still prefer to buy from a local agent and often times that is recommended Insurance agents are highly skilled in risk management and will help you if you have claims. A good thing about price shopping on the web is that you can find the best rates and still buy from a local agent.
Upon completion of this quick form, the quote information is submitted to insurance agents in Oakland that can provide free Oakland auto insurance quotes for your business. You won’t need to contact any agents since price quotes are sent to you directly. If for some reason you want to get a comparison quote for a specific company, you just need to jump over to their website and submit a quote form there.
Selecting an provider shouldn’t rely on just a cheap price. These are some valid questions you should ask.
- If you are a high risk driver, do they have special markets for your coverage?
- Are you getting all the discounts the company offers?
- Is the agency involved in supporting local community causes?
- Do they write coverage based solely on cost?
- When do they do policy reviews?
- If you have an accident, will your rates go up?
- Is there a 24/7 contact number?
Best reasons to buy insurance in California
Despite the potentially high cost of Chevy City Express insurance, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.
- Most states have mandatory insurance requirements which means the state requires specific limits of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Chevy City Express has a loan, most banks will force you to buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Chevy at a significantly higher premium and require you to fork over much more than you were paying before.
- Insurance safeguards both your assets and your Chevy City Express. Insurance will also pay for all forms of medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. An average driver in America is wasting up to $820 a year so we recommend shopping around each time the policy renews to help ensure money is not being wasted.
Quote. Compare. Save.
Budget-conscious Chevy City Express insurance is available online and from local insurance agents, so you should compare both to have the best selection. Some insurance providers do not provide online quoting and usually these small insurance companies only sell coverage through local independent agents.
Drivers leave their current company for many reasons like questionable increases in premium, policy non-renewal, delays in paying claims or even an unsatisfactory settlement offer. Regardless of your reason, finding the right car insurance provider can be pretty painless.
We’ve covered many tips how you can save on Chevy City Express insurance in Oakland. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding inexpensive Oakland auto insurance quotes. You may even be surprised to find that the biggest savings come from a smaller regional carrier.
More tips and info about car insurance is located in these articles:
- All About Airbag Safety (State Farm)
- Who Has the Cheapest Oakland Auto Insurance Quotes for Ride Shares? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Chevrolet Traverse in Oakland? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Subaru Impreza in Oakland? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)