The preferred way to get cheaper Chevy City Express insurance is to make a habit of comparing prices annually from different companies who can sell car insurance in Louisville.
- Take a few minutes and learn about how insurance companies determine prices and the steps you can take to drop your rates. Many risk factors that result in higher rates such as at-fault accidents, speeding tickets, and a less-than-favorable credit rating can be amended by making lifestyle changes or driving safer. This article gives additional tips to help reduce premium rates and find discounts that may have been missed.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while independent agents can quote prices from multiple companies.
- Compare the price quotes to the price on your current policy and see if there is a cheaper rate in Louisville. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Notify your agent or company of your intent to cancel your current policy and submit the signed application along with the required initial payment to the new company. Be sure to keep your new certificate verifying coverage above your visor, in the console, or in the glove compartment.
One key aspect of rate comparisons is that you’ll want to make sure you compare similar limits and deductibles on each price quote and and to analyze every insurance company. This ensures a level playing field and a complete rate analysis.
Astonishing but true, the vast majority of insurance customers have stayed with the same insurance company for a minimum of four years, and nearly half have never compared insurance rates at all. Drivers in Kentucky could cut their rates by approximately 30% a year, but they don’t understand how simple it is to shop around.
All the larger car insurance companies allow consumers to get price estimates on the web. Obtaining pricing for Chevy City Express insurance in Louisville doesn’t take a lot of time because you just enter your required coverages on the page. When complete, their system sends out for your credit score and driving record and provides a quote determined by many factors. The ability to get online quotes for Chevy City Express insurance in Louisville makes comparing rates easy, and it’s absolutely necessary to perform this step in order to find the cheapest car insurance rates.
To compare rates using this form now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you complete the form with the limits and deductibles identical to your current policy. This ensures you will be getting rate comparison quotes for similar coverage.
The companies in the list below are ready to provide free rate quotes in Louisville, KY. If you want to find cheaper auto insurance in Louisville, it’s a good idea that you click on several of them to get a more complete price comparison.
Chevy City Express insurance charts and tables
The rate table displayed next covers different insurance coverage prices for Chevy City Express models. Learning how premiums are calculated can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $210 | $408 | $342 | $20 | $102 | $1,082 | $90 |
| City Express Cargo 1500 2WD | $210 | $498 | $342 | $20 | $102 | $1,172 | $98 |
| City Express Cargo 3500 2WD | $242 | $498 | $342 | $20 | $102 | $1,204 | $100 |
| City Express 2500 LT 2WD | $242 | $498 | $342 | $20 | $102 | $1,204 | $100 |
| City Express 2500 2WD | $242 | $498 | $342 | $20 | $102 | $1,204 | $100 |
| City Express 2500 LS 2WD | $242 | $498 | $342 | $20 | $102 | $1,204 | $100 |
| City Express 3500 2WD | $242 | $498 | $342 | $20 | $102 | $1,204 | $100 |
| City Express Cargo 1500 AWD | $242 | $498 | $342 | $20 | $102 | $1,204 | $100 |
| City Express 1500 LS 2WD | $242 | $498 | $342 | $20 | $102 | $1,204 | $100 |
| City Express 1500 LS AWD | $242 | $586 | $342 | $20 | $102 | $1,292 | $108 |
| City Express 1500 AWD | $242 | $586 | $342 | $20 | $102 | $1,292 | $108 |
| City Express 1500 LT 2WD | $242 | $586 | $342 | $20 | $102 | $1,292 | $108 |
| City Express Cargo 1500 Turbo Diesel 2WD | $242 | $586 | $342 | $20 | $102 | $1,292 | $108 |
| City Express Cargo 2500 Turbo Diesel 2WD | $272 | $586 | $342 | $20 | $102 | $1,322 | $110 |
| City Express 3500 LT 2WD | $272 | $586 | $342 | $20 | $102 | $1,322 | $110 |
| City Express 3500 LS 2WD | $272 | $586 | $342 | $20 | $102 | $1,322 | $110 |
| City Express 3500 2WD | $272 | $586 | $342 | $20 | $102 | $1,322 | $110 |
| City Express 1500 LT AWD | $272 | $586 | $342 | $20 | $102 | $1,322 | $110 |
| City Express Cargo 3500 Turbo Diesel 2WD | $272 | $586 | $342 | $20 | $102 | $1,322 | $110 |
| City Express Cargo 1500 Turbo Diesel AWD | $272 | $586 | $342 | $20 | $102 | $1,322 | $110 |
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in vehicle location which can modify price quotes greatly.
The information below demonstrates how deductible levels and can influence Chevy City Express insurance costs for each age group. The premiums are based on a married male driver, full coverage, and no additional discounts are factored in.
How Your City Express Insurance Costs are Determined
Many factors are used when quoting car insurance. Most are fairly basic like an MVR report, but some are more transparent like your vehicle usage or your financial responsibility.
- Do you save by driving less? – The more miles you rack up on your Chevy annually the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how much you drive. Vehicles not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Double check that your car insurance policy shows the right rating data. Having the wrong rating on your City Express is just wasting money.
- Know your vehicle’s IIHS safety rating – Vehicles that have high safety ratings are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders.
- Never let your policy lapse – Driving with no insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. In addition to paying higher premiums, getting caught without coverage can result in a hefty fine and possibly a revoked license. You may then be required to file a SR-22 with the Kentucky DMV.
- Discounts for married couples – Getting married may save some money on car insurance. Marriage translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.
- Prevent theft and save – Selecting a car model with a theft deterrent system can earn a premium discount. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.
- Too many claims and you’ll pay more – Car insurance companies in Kentucky generally give discounts to insureds who file claims infrequently. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
- Low credit score equals high prices – A driver’s credit history is likely to be a major factor in your rate calculation. If your credit can use some improvement, you could be paying less to insure your Chevrolet City Express if you improve your credit rating. Drivers who have excellent credit tend to be more responsible and file fewer claims than drivers who have poor credit.
Protect more than your City Express
Despite the fact that car insurance is not cheap in Louisville, car insurance is required by state law in Kentucky and it also provides benefits you may not be aware of.
- Just about all states have mandatory liability insurance requirements which means state laws require a specific level of liability in order to be legal. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, most lenders will have a requirement that you have physical damage coverage to guarantee loan repayment. If you default on your policy, the lender may insure your Chevy for a much higher rate and force you to reimburse them for the much more expensive policy.
- Car insurance preserves both your car and your assets. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your Chevy gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your car are without a doubt worth the cost, particularly for liability claims. On average, a vehicle owner in Louisville overpays as much as $855 a year so it’s very important to do a rate comparison at every policy renewal to be sure current rates are still competitive.