Finding low-cost insurance for your Chevy City Express in Pennsylvania can be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to buy insurance and we'll show you the absolute fastest way to compare rates for a Chevy and find the lowest possible price either online or from Philadelphia insurance agents.
It's a known fact that insurance companies don't want you shop around. Consumers who shop around for cheaper price quotes will probably switch companies because they have a good chance of finding a cheaper policy. A study showed that drivers who made a habit of comparing rates saved as much as $850 each year compared to other drivers who never shopped around.
If finding the lowest price on car insurance in Philadelphia is why you're here, then understanding the best ways to shop for coverage rates can make it easier to find better rates.
Best companies for affordable Chevy City Express insurance in Pennsylvania
The companies shown below can provide price comparisons in Philadelphia, PA. If several companies are displayed, it's highly recommended you get prices from several of them in order to find the cheapest rates.
Rates and data analysis
The premium information displayed next outlines a range of insurance costs for Chevy City Express models. Having a good grasp of how insurance prices are determined can aid in making decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$154||$292||$372||$22||$112||$952||$79|
|City Express Cargo 1500 2WD||$154||$356||$372||$22||$112||$1,016||$85|
|City Express Cargo 3500 2WD||$178||$356||$372||$22||$112||$1,040||$87|
|City Express 2500 LT 2WD||$178||$356||$372||$22||$112||$1,040||$87|
|City Express 2500 2WD||$178||$356||$372||$22||$112||$1,040||$87|
|City Express 2500 LS 2WD||$178||$356||$372||$22||$112||$1,040||$87|
|City Express 3500 2WD||$178||$356||$372||$22||$112||$1,040||$87|
|City Express Cargo 1500 AWD||$178||$356||$372||$22||$112||$1,040||$87|
|City Express 1500 LS 2WD||$178||$356||$372||$22||$112||$1,040||$87|
|City Express 1500 LS AWD||$178||$420||$372||$22||$112||$1,104||$92|
|City Express 1500 AWD||$178||$420||$372||$22||$112||$1,104||$92|
|City Express 1500 LT 2WD||$178||$420||$372||$22||$112||$1,104||$92|
|City Express Cargo 1500 Turbo Diesel 2WD||$178||$420||$372||$22||$112||$1,104||$92|
|City Express Cargo 2500 Turbo Diesel 2WD||$200||$420||$372||$22||$112||$1,126||$94|
|City Express 3500 LT 2WD||$200||$420||$372||$22||$112||$1,126||$94|
|City Express 3500 LS 2WD||$200||$420||$372||$22||$112||$1,126||$94|
|City Express 3500 2WD||$200||$420||$372||$22||$112||$1,126||$94|
|City Express 1500 LT AWD||$200||$420||$372||$22||$112||$1,126||$94|
|City Express Cargo 3500 Turbo Diesel 2WD||$200||$420||$372||$22||$112||$1,126||$94|
|City Express Cargo 1500 Turbo Diesel AWD||$200||$420||$372||$22||$112||$1,126||$94|
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in Philadelphia location which can decrease or increase premiums substantially.
The diagram below demonstrates how choosing different deductibles and can impact Chevy City Express insurance costs for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Comparison of car insurance rates by gender and age
The diagram below illustrates the difference between Chevy City Express car insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Cost difference between full coverage and liability
The illustration below illustrates the comparison of Chevy City Express premium costs with and without full coverage. The prices are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no definitive guideline of when to eliminate physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let's assume your Chevy City Express claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after paying your deductible. If you are paying over $600 a year for your policy with full coverage, then it could be time to drop full coverage.
There are a few situations where removing full coverage is not in your best interest. If you haven't paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Lower-cost Chevy City Express insurance rates in Philadelphia
Insurance can be prohibitively expensive, but companies offer discounts that can drop the cost substantially. A few discounts will be applied at quote time, but a few need to be specially asked for before being credited.
- Air Bag Discount - Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
- Seat Belt Usage - Drivers who require all vehicle occupants to use their safety belts could save 15% off the personal injury premium cost.
- Early Switch Discount - Some companies provide a discount for signing up before your current coverage expires. You can save around 10% with this discount.
- Early Payment Discounts - By making one initial payment rather than paying in monthly installments you could save 5% or more.
- Savings for New Vehicles - Putting insurance coverage on a new City Express may earn a small discount compared to insuring an older model.
Please keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
The chart below shows the difference between Chevy City Express auto insurance costs with and without discounts. The premiums are based on a female driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, safe-driver, multi-car, and multi-policy discounts applied.
To view providers who offer discounts in Philadelphia, follow this link.
Choices You Make Can Impact Your Insurance Prices
Smart consumers have a good feel for the factors that help calculate the price you pay for insurance. If you have some idea of what influences your rates, this helps enable you to make changes that may reward you with cheaper rates.
Know your vehicle's safety rating - Cars with five star safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates directly to fewer claims and thus lower rates.
Type of car determines base premiums - The type of car you are buying insurance for makes a big difference in determining your rates. The lowest base rates are generally reserved for economy passenger cars, but that's not the only thing that factors into the final price.
The following data uses these variables: single female driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Chevrolet City Express car insurance rates compared to other models of vehicles that have different performance rating factors.
Traffic violations are costly - Being a careful driver influences premium rates substantially. Even one moving violation could increase your next policy renewal twenty percent or more. Careful drivers receive lower rates as compared to careless drivers. Drivers who get severe citations like DUI or willful reckless driving are required to submit a SR-22 form with their state DMV in order to continue driving.
The diagram below highlights how speeding tickets and at-fault fender-benders can raise Chevy City Express annual premium costs for different age groups of insureds. The premiums are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Drive lots and pay more - Driving more miles every year the more it will cost to insure it. Most companies apply a rate based on their usage. Autos that are left in the garage can be on a lower rate level than those used for commuting. A policy that improperly rates your City Express can cost quite a bit. It's a good idea to make sure your policy shows the correct usage, because improper ratings can cost you money.
Combine and save - Many insurance companies give discounts to insureds who carry more than one policy. It's known as a multi-policy discount. The discount can be ten or even fifteen percent. Even with this discount, consumers should still shop around to help guarantee you have the best rates. It's possible to still find a better deal even if you have your coverage with different companies
A car insurance policy lapse is a bad thing - Having a gap between insurance policy dates will be a quick way to pay more for insurance. And not only will your rates increase, the inability to provide proof of insurance could result in fines or a revoked license.
Bad credit hurts insurance costs - Having a bad credit score is a big factor in your rate calculation. If your credit is not that good, you could potentially save money when insuring your Chevrolet City Express by improving your rating. Drivers who have high credit scores tend to file fewer claims than those with worse credit.
Insurance agents can help
When quoting and choosing a policy, there really is not a best way to insure your cars. Your financial needs are unique.
These are some specific questions may help highlight whether or not you might need an agent's assistance.
- Is my nanny covered when transporting my kids?
- When does my teenage driver need to be added to my policy?
- Can I insure my car for more than it's worth?
- What is an adequate liability insurance limit?
- Will filing a claim cost me more?
- Am I covered when driving in Canada or Mexico?
- Am I covered by my employer's commercial auto policy when driving my personal car for business?
- Does coverage follow the driver or the vehicle?
If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It's fast, free and can provide invaluable advice.
Neighborhood Philadelphia auto insurance agents
A small number of people just want to talk to a local agent and that is not a bad decision Most agents are trained to spot inefficiencies and help in the event of a claim. A good thing about comparing rate quotes online is the fact that drivers can get the lowest rates and also buy local.
To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to local insurance agents who can give free rate quotes for your insurance coverage. You don't have to do any legwork because quoted prices will be sent directly to you. In the event you want to get a price quote from a specific company, don't hesitate to go to their quote page and fill out the quote form the provide.
Picking an company needs to be determined by more than just a low price. The answers to these questions are important, too.
- How often do they review policy coverages?
- What discounts might you be missing?
- Are there any discounts for paying up front?
- Will high miles depreciate repair valuations?
- Will you get a loaner vehicle if you car is being repaired?
- Do they have 24-hour customer assistance?
- Are claim adjusters local or do you have to take your car somewhere else?
- What is their Better Business Bureau rating?
Listed below is a list of auto insurance companies in Philadelphia that may be willing to give price quote information for Chevy City Express insurance in Philadelphia.
- Accu Insurance Agency
7010 Elmwood Ave - Philadelphia, PA 19142 - (215) 726-0270 - View Map
- Pa Auto Insurance Outlet
4901 Frankford Ave - Philadelphia, PA 19124 - (215) 827-0800 - View Map
- The Gannon Insurance Agency Inc
2704 Street Rd - Bensalem, PA 19020 - (215) 891-9990 - View Map
- McCollum Insurance Agency
4169 Main St - Philadelphia, PA 19127 - (215) 508-9000 - View Map
A conclusion for your car insurance search
You just read a lot of ways to reduce Chevy City Express insurance premium rates online in Philadelphia. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest premium rates are with some of the lesser-known companies.
Low-cost Chevy City Express insurance in Philadelphia is definitely available from both online companies in addition to many Philadelphia insurance agents, and you should compare rates from both to have the best selection. Some insurance providers may not have the ability to get quotes online and usually these small, regional companies prefer to sell through independent agents.
People who switch companies do it for many reasons like lack of trust in their agent, unfair underwriting practices, delays in paying claims or even delays in responding to claim requests. Whatever your reason, switching car insurance companies can be easier than you think.
More detailed car insurance information can be read by following these links:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has Affordable Philadelphia Car Insurance for 17 Year Olds? (FAQ)
- What Car Insurance is Cheapest for a Chevrolet Traverse in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance for a School Permit in Philadelphia? (FAQ)
- Who Has the Cheapest Philadelphia Auto Insurance Quotes for High Risk Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Hyundai Elantra in Philadelphia? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Child Safety FAQ (iihs.org)