Chevy Express 3500 Insurance in Nevada – 5 Discounts Drivers are Losing Out On

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as many other Nevada drivers.

Lots of auto insurance companies contend for your business, so it can be very hard to choose a company to discover the definitive cheapest price

Be sure to get all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but some must be specifically requested prior to receiving the credit.

Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Express insurance with certain companies.
College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Seat Belts Save – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.

Consumers should know that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of companies offering car insurance discounts in Nevada, click here to view.

Comprehensive Car Insurance Comparison in Nevada

Most companies quote insurance quotes on their websites. Getting online quotes is quite easy as you just enter the amount of coverage you want as detailed in the form. Once you submit the form, their rating system sends out for your driving record and credit report and returns a price based on these factors. Being able to quote online helps simplify price comparisons, but the time it takes to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to perform this step in order to find better car insurance pricing.

A more efficient way to compare car insurance pricing is to use a quote form that gets price quotes from several different companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more efficient. After your information is entered, it is rated and you can choose any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It takes just a few minutes to complete and may save quite a bit of money.

In order to find out how much you’re overpaying now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you copy the insurance coverages as shown on your current policy. This helps ensure you will have an apples-to-apples comparison based on the exact same insurance coverage.

How do I know if I need professional advice?

When it comes to buying coverage, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions could help you determine if you may require specific advice. Auto insurance in Nevada

Is my teen driver covered when they drive my company car?
What can I do if my company won’t pay a claim?
How high should my medical payments coverage be?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy pay for OEM or aftermarket parts?
Which companies will insure high-risk drivers?
Should I rate my Chevy Express 3500 as pleasure use or commute?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages for a Chevy Express 3500

Understanding the coverages of car insurance aids in choosing which coverages you need for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane, rock chips in glass, vandalism and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, rolling your car, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law (which is 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages – Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, court costs and loss of income. How much coverage you buy is up to you, but you should buy higher limits if possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry more liability than the minimum.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as rehabilitation expenses, prosthetic devices, nursing services, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

And the best car insurance company is…

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced physical damage coverage only to regret they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

We just covered many tips how you can compare Chevy Express 3500 insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from some of the lesser-known companies. These companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.