It takes a little time, but the best way to get affordable Chevy City Express insurance is to start comparing prices regularly from companies who provide car insurance in Columbus.
- First, gain an understanding of what is in your policy and the modifications you can make to prevent rate increases. Many rating criteria that result in higher prices such as tickets, at-fault accidents, and an imperfect credit score can be remedied by paying attention to minor details.
- Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple insurance companies. View companies
- Third, compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you can save money, make sure there is no lapse in coverage.
- Fourth, notify your agent or company of your intent to cancel your current coverage. Submit payment along with a signed and completed policy application for the new policy. Immediately place your new certificate of insurance somewhere easily accessible.
An essential thing to point out is to try to compare identical coverages on every quote and and to get price quotes from all possible companies. Doing this enables an apples-to-apples comparison and the best price selection.
It’s safe to assume that auto insurance companies want to keep you from comparing rates. Drivers who shop for lower rates are likely to switch to a new company because of the good chance of finding more affordable rates. A survey found that people who made a habit of comparing rate quotes saved approximately $3,500 over four years compared to drivers who don’t make a habit of comparing rates.
If finding the lowest rates on Chevy City Express insurance in Columbus is why you’re here, then knowing how to shop for insurance can make it easier to find better rates.
Chevy City Express Insurance Rate Factors
An important part of buying insurance is that you know the different types of things that help calculate the price you pay for insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that can help you get lower premium levels.
Listed below are a partial list of the pieces used by companies to determine your rates.
How’s your driving record? – A bad driving record can have a huge impact on auto insurance premiums. Drivers with clean records have lower premiums compared to bad drivers. Even one citation can increase the cost of insurance substantially. People who have dangerous citations like DUI or willful reckless driving may find that they have to to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive a vehicle.
The diagram below highlights how speeding tickets and at-fault collisions increase Chevy City Express auto insurance costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
- Stress out and pay more – Jobs like lawyers, police officers, and stock brokers generally pay the highest average rates attributed to intense work situations and long work days. Other occupations such as farmers, athletes and retirees have lower than average premiums.
- Less chance of injury means lower premiums – Vehicles with high crash test scores get lower rates. Safer cars protect occupants better and lower injury rates means less money paid by your insurance company which can mean better rates for you. If the Chevy City Express scored better than four stars on Safercar.gov you may qualify for a discount.
- Pleasure use or commuting – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how much you drive. Cars and trucks used primarily for pleasure use cost less to insure compared to those used for work or business. Ask your agent if your vehicle rating reflects how each vehicle is driven. A policy that improperly rates your City Express may be costing you higher rates.
Women tend to be lower risk – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. Both sexes have at-fault accidents at a similar rate, but the males tend to have more serious accidents. Not only that, but men also have more aggressive citations like reckless driving and DUI.
The example below illustrates the comparison of Chevy City Express premium costs for male and female drivers. The rates are based on no violations or claims, full physical damage coverage, $1,000 deductibles, single status, and no policy discounts are applied.
When shopping for cheaper Columbus car insurance quotes, there are a couple of ways of comparing price quotes from insurance companies in your area. The simplest method to find affordable insurance rates is to get quotes online.
Online shopping is fast and free, and it replaces the need to go to local Columbus insurance agencies. Doing it all online reduces the need to sit down with an agent unless you prefer the trained guidance of a local Columbus agent. Drivers can price shop your coverage online and still use a local agent. Just keep in mind that comparing a large number of companies will enable you to find a lower rate than you’re paying now. Not every company provides Columbus City Express insurance quotes online, so it’s important to compare prices from them as well.
The following companies offer price comparisons in Ohio. If multiple providers are shown, we recommend you click on several of them to get the best price comparison.
Rates and detailed analysis
The information displayed below showcases different rate quotes for Chevy City Express models. Knowing how auto insurance premiums are established can help customers make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$188||$356||$306||$18||$92||$960||$80|
|City Express Cargo 1500 2WD||$188||$434||$306||$18||$92||$1,038||$87|
|City Express Cargo 3500 2WD||$216||$434||$306||$18||$92||$1,066||$89|
|City Express 2500 LT 2WD||$216||$434||$306||$18||$92||$1,066||$89|
|City Express 2500 2WD||$216||$434||$306||$18||$92||$1,066||$89|
|City Express 2500 LS 2WD||$216||$434||$306||$18||$92||$1,066||$89|
|City Express 3500 2WD||$216||$434||$306||$18||$92||$1,066||$89|
|City Express Cargo 1500 AWD||$216||$434||$306||$18||$92||$1,066||$89|
|City Express 1500 LS 2WD||$216||$434||$306||$18||$92||$1,066||$89|
|City Express 1500 LS AWD||$216||$512||$306||$18||$92||$1,144||$95|
|City Express 1500 AWD||$216||$512||$306||$18||$92||$1,144||$95|
|City Express 1500 LT 2WD||$216||$512||$306||$18||$92||$1,144||$95|
|City Express Cargo 1500 Turbo Diesel 2WD||$216||$512||$306||$18||$92||$1,144||$95|
|City Express Cargo 2500 Turbo Diesel 2WD||$244||$512||$306||$18||$92||$1,172||$98|
|City Express 3500 LT 2WD||$244||$512||$306||$18||$92||$1,172||$98|
|City Express 3500 LS 2WD||$244||$512||$306||$18||$92||$1,172||$98|
|City Express 3500 2WD||$244||$512||$306||$18||$92||$1,172||$98|
|City Express 1500 LT AWD||$244||$512||$306||$18||$92||$1,172||$98|
|City Express Cargo 3500 Turbo Diesel 2WD||$244||$512||$306||$18||$92||$1,172||$98|
|City Express Cargo 1500 Turbo Diesel AWD||$244||$512||$306||$18||$92||$1,172||$98|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can revise premium rates greatly.
Full coverage versus liability-only
The chart below shows the comparison of Chevy City Express auto insurance costs when comparing full coverage to liability only. The information is based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop paying for full coverage
There isn’t a steadfast formula of when to exclude full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s say your Chevy City Express replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after the deductible is paid. If you are currently paying more than $600 a year to have full coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Three good reasons to insure your City Express
Despite the high insurance cost for a Chevy City Express in Columbus, insurance is required in Ohio but also provides important benefits.
- Just about all states have compulsory liability insurance requirements which means state laws require specific limits of liability protection if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your City Express with a loan, it’s most likely the lender will make it mandatory that you have full coverage to protect their interest in the vehicle. If the policy lapses, the bank may insure your Chevy at a significantly higher premium and force you to reimburse them much more than you were paying before.
- Insurance safeguards both your vehicle and your personal assets. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance definitely exceed the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is wasting up to $700 annually so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.
Do you qualify for discounts on Chevy City Express insurance in Columbus?
Insurance can be prohibitively expensive, but discounts can save money and there are some available that many consumers don’t even know exist. Many of these discounts will be applied automatically when you quote, but a few must be asked about before you get the savings.
- Discount for Swiching Early – A few insurance companies offer discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
- Senior Discount – Drivers over the age of 55 can get a discount up to 10%.
- Savings for New Vehicles – Insuring a new City Express can cost up to 25% less since new vehicles are generally safer.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle up can save a little off the medical payments premium.
- Discount for Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of more than 20%.
- Defensive Driver – Participating in a defensive driving course could earn you a small percentage discount and make you a better driver.
- Discount for Home Ownership – Just being a homeowner can save you money because it shows financial diligence.
- Early Payment Discounts – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
- Include Life Insurance and Save – If the company offers life insurance, you could get better prices if you take out some life insurance in addition to your auto policy.
- Anti-lock Brakes – Cars that have anti-lock braking systems are safer to drive and will save you 10% or more on City Express insurance in Columbus.
As a sidenote, most credits do not apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will definitely reduce your policy premium.
The chart below illustrates the difference between Chevy City Express premium costs with and without discounts being applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, marriage, multi-policy, and claim-free discounts applied.
Large insurance companies and a summarized list of policyholder discounts are outlined below.
- 21st Century includes discounts for teen driver, theft prevention, homeowners, air bags, automatic seat belts, defensive driver, and good student.
- Progressive may include discounts for multi-vehicle, multi-policy, online signing, homeowner, continuous coverage, and online quote discount.
- State Farm policyholders can earn discounts including driver’s education, good driver, multiple policy, student away at school, passive restraint, accident-free, and Steer Clear safe driver discount.
- Nationwide may have discounts that include multi-policy, defensive driving, family plan, good student, and anti-theft.
- Esurance may offer discounts for anti-lock brakes, homeowner, multi-car, paid-in-full, and anti-theft.
- The Hartford has discounts for anti-theft, air bag, driver training, bundle, vehicle fuel type, defensive driver, and good student.
Double check with all companies you are considering which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies everywhere. To locate insurers that offer many of these discounts in Columbus, click here.
Local Columbus insurance agencies
Some people prefer to talk to an insurance agent and that is just fine! The best thing about comparing rates online is the fact that you can find lower rates and still buy from a local agent.
After filling out this form (opens in new window), your information is instantly submitted to local insurance agents that can provide free Columbus car insurance quotes to get your business. You won’t need to leave your house since price quotes are sent immediately to your email address. It’s the lowest rates AND an agent nearby. If you have a need to compare rates for a specific company, you would need to jump over to their website and complete a quote there.
Choosing the best insurance company shouldn’t rely on just the price. These questions are important to ask:
- Does the agency provide any after hours assistance?
- Do they have any clout with companies to ensure a fair claim settlement?
- Did they already check your driving record and credit reports?
- Are they full-time agents?
- By raising physical damage deductibles, how much would you save?
Pick the best auto insurance agent in Columbus for you
If you are wanting to find a good insurance agency, it can be helpful to understand the different agency structures and how they work. Auto insurance agents in Columbus may be either independent or exclusive.
These type of agents can only write with one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are trained well on sales techniques and that enables them to sell even at higher rates.
Below is a short list of exclusive insurance agencies in Columbus who can help you get price quote information.
Independent Agencies or Brokers
Independent agents are not locked into one company so as a result can place your coverage with many different companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier and you don’t have to switch agencies.
When comparing rates, we highly recommend that you include several independent agencies to ensure the widest selection of prices.
Shown below are Columbus independent insurance agencies that are able to give price quote information.
Insurance agents can help
When it comes to buying your policy for your vehicles, there isn’t really a “best” method to buy coverage. You are unique.
For instance, these questions could help you determine whether you would benefit from an agent’s advice.
- Is rental equipment covered for theft or damage?
- Am I covered if hit by an uninsured driver?
- When should I remove comp and collision on my Chevy City Express?
- What is the rate difference between pleasure use and commuting?
- Should I have a commercial auto policy?
- If I use my vehicle for business use is it covered?
- Should I buy only the required Ohio minimum liability coverage?
- Who is covered when they drive my Chevy City Express?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.
Be persistent to save money
More affordable insurance in Columbus can be found both online and with local Columbus insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not have the ability to get quotes online and many times these smaller companies prefer to sell through independent agencies.
We just showed you a lot of ways to save on Chevy City Express insurance in Columbus. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest premium rates come from a lesser-known regional company.
When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your goal is to buy the best coverage you can find at an affordable rate.
More learning opportunities
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Quotes for Police Officers in Columbus? (FAQ)
- Who Has the Cheapest Columbus Auto Insurance for Teachers? (FAQ)
- Who Has Affordable Car Insurance Rates for High Mileage Drivers in Columbus? (FAQ)
- Who Has Cheap Auto Insurance Rates for 18 Year Olds in Columbus? (FAQ)
- How Much is Auto Insurance for a Ford F-150 in Columbus? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Auto Crash Statistics (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)