Want to learn a better way to compare low-cost Chevy City Express insurance in Chicago? There isn't a single person who looks forward to paying premiums for insurance, especially knowing the cost is too high.
Shockingly, the vast majority of drivers have stayed with the same insurance company for a minimum of four years, and 38% of drivers have never quoted rates to find cheaper coverage. The average driver in Chicago could cut their rates by almost $600 a year by just comparing rate quotes, but they just feel it's too hard to do a rate comparison. Lots of insurers contend for your insurance dollar, so it can be very hard to choose a insurer and get the best coverage at the cheapest price on Chevy City Express insurance in Chicago.
Discounts mean cheaper rates for Chevy City Express insurance in Chicago
Some companies don't necessarily list all possible discounts in a way that's easy to find, so the list below details a few of the more well known and also the lesser-known credits available to lower your premiums when you buy Chicago auto insurance online.
- New Car Discount - Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for new vehicles.
- Federal Government Employee - Federal government employees can save as much as 8% with a few car insurance companies.
- Claim Free - Chicago drivers who stay claim-free can save substantially when compared to insureds who have frequent claims or accidents.
- Discounts for Good Drivers - Insureds without accidents can save up to 40% or more on their Chicago auto insurance quote as compared to drivers with claims.
- Good Students Pay Less - A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
- Own a Home and Save - Just owning your own home can get you a discount because it shows financial diligence.
- Pay Upfront and Save - By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
- Low Mileage Discounts - Fewer annual miles on your Chevy could be rewarded with substantially lower prices.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way. Any qualifying discounts should definitely cut the premium cost.
A few of the larger companies and a summarized list of policyholder discounts are outlined below.
- State Farm may have discounts that include good driver, good student, accident-free, student away at school, multiple autos, Steer Clear safe driver discount, and anti-theft.
- GEICO has discounts for emergency military deployment, multi-vehicle, good student, defensive driver, membership and employees, seat belt use, and anti-theft.
- Allstate offers discounts for economy car, passive restraint, eSmart discount, resident student, multi-policy, teenSMART discount, and anti-lock brakes.
- SAFECO has savings for accident prevention training, bundle discounts, safe driver, homeowner, and drive less.
- Farm Bureau offers discounts including good student, safe driver, multi-policy, driver training, and youthful driver.
- Progressive policyholders can earn discounts including online quote discount, good student, online signing, homeowner, continuous coverage, multi-policy, and multi-vehicle.
- AAA may include discounts for AAA membership discount, multi-car, pay-in-full, education and occupation, anti-theft, and good driver.
Before you buy a policy, ask each insurance company which discounts they offer. A few discounts may not be offered in Chicago. To see providers that can offer you the previously mentioned discounts in Illinois, click this link.
Finding a lower price on insurance is actually quite simple. The only requirement is to spend a few minutes to get quotes online from several insurance companies.
Doing online rates comparisons is so easy that it replaces the need to drive to insurance agencies in your area. Comparing online rate quotes has reduced the need for local agents unless you want the trained guidance that you can only get from talking to an agent. Some companies do allow you to get prices online but purchase the actual policy in an agency.
The auto insurance companies shown below offer quotes in Chicago, IL. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $224 | $334 | $342 | $20 | $102 | $1,022 | $85 |
| City Express Cargo 1500 2WD | $224 | $406 | $342 | $20 | $102 | $1,094 | $91 |
| City Express Cargo 3500 2WD | $160 | $268 | $266 | $16 | $80 | $790 | $66 |
| City Express 2500 LT 2WD | $202 | $340 | $262 | $16 | $78 | $898 | $75 |
| City Express 2500 2WD | $194 | $418 | $294 | $18 | $88 | $1,012 | $84 |
| City Express 2500 LS 2WD | $108 | $210 | $294 | $18 | $88 | $718 | $60 |
| City Express 3500 2WD | $138 | $262 | $352 | $20 | $106 | $878 | $73 |
| City Express Cargo 1500 AWD | $120 | $210 | $266 | $16 | $80 | $692 | $58 |
| City Express 1500 LS 2WD | $204 | $374 | $268 | $16 | $80 | $942 | $79 |
| City Express 1500 LS AWD | $194 | $492 | $294 | $18 | $88 | $1,086 | $91 |
| City Express 1500 AWD | $142 | $316 | $274 | $16 | $82 | $830 | $69 |
| City Express 1500 LT 2WD | $174 | $412 | $294 | $18 | $88 | $986 | $82 |
| City Express Cargo 1500 Turbo Diesel 2WD | $194 | $492 | $294 | $18 | $88 | $1,086 | $91 |
| City Express Cargo 2500 Turbo Diesel 2WD | $136 | $284 | $340 | $20 | $102 | $882 | $74 |
| City Express 3500 LT 2WD | $136 | $284 | $340 | $20 | $102 | $882 | $74 |
| City Express 3500 LS 2WD | $180 | $316 | $266 | $16 | $80 | $858 | $72 |
| City Express 3500 2WD | $120 | $246 | $274 | $16 | $82 | $738 | $62 |
| City Express 1500 LT AWD | $142 | $268 | $246 | $14 | $74 | $744 | $62 |
| City Express Cargo 3500 Turbo Diesel 2WD | $290 | $478 | $342 | $20 | $102 | $1,232 | $103 |
| City Express Cargo 1500 Turbo Diesel AWD | $206 | $398 | $352 | $20 | $106 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates significantly.
Cautious drivers save money
The illustration below highlights how speeding tickets and accidents drive up Chevrolet City Express insurance prices for different ages of insureds. The rate quotes are based on a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
What insurance coverages do I need?
Always keep in mind that when comparing proper insurance coverage, there isn't really a "perfect" insurance plan. Everyone's situation is a little different and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from an agent's advice.
- Do I have coverage if my license is suspended?
- Can I drive in Mexico and have coverage?
- Will damage be repaired with OEM parts?
- When should I remove my kid from my policy?
- Am I covered while delivering pizza?
- Do I need roadside assistance coverage?
- Am I covered if I back into my garage door?
- What does UM/UIM cover?
If you're not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It's fast, free and may give you better protection.
Local Chicago insurance agents and auto insurance
A lot of people still like to get professional advice from a licensed agent and often times that is recommended Good insurance agents can help you build your policy and help you file claims. One of the best bonuses of comparing insurance prices online is that drivers can save money and get the best rates but also keep your business local. And buying from neighborhood insurance agencies is important especially in Chicago.
To find an agent, once you fill out this form (opens in new window), your insurance data is immediately sent to companies in Chicago who will give you bids for your coverage. You won't even need to visit any agencies since rate quotes are delivered immediately to your email address. If you have a need to quote rates from a specific insurance company, don't hesitate to go to their quote page and complete a quote there.
When finding a local Chicago insurance agent, it helps to know the two different types of agents that you can select. Auto insurance agencies can be classified as either independent agents or exclusive agents. Either one can properly insure your vehicles, but it is important to understand how they are different because it can influence buying decisions.
Independent Insurance Agents
Independent insurance agents are not employed by any specific company so they can quote policies with an assortment of companies and get you the best rates possible. To move your coverage to a new company, they simply switch companies in-house which requires no work on your part.
When comparison shopping, you need to compare quotes from several independent agencies to maximize your price options.
Listed below are independent agencies in Chicago who may be able to give you price quotes.
American Auto Insurance
3201 N Harlem Ave #1 - Chicago, IL 60634 - (773) 286-3500 - View Map
Lakeview Insurance Agency, Ltd.
3438 N Southport Ave - Chicago, IL 60657 - (773) 871-8000 - View Map
Talro Insurance Agency
4900 W Belmont Ave - Chicago, IL 60641 - (773) 205-8255 - View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company like American Family, State Farm, and Allstate. Exclusive agents cannot compare other company's rates so they are skilled at selling on more than just price. Exclusive agencies are usually well trained on their company's products which can be an advantage.
Listed below are Chicago exclusive insurance agencies that can give you comparison quotes.
Neal Gallo - State Farm Insurance Agent
6666 N Western Ave - Chicago, IL 60645 - (773) 743-6565 - View Map
Dwayne Jackson - State Farm Insurance Agent
1345 W Taylor St - Chicago, IL 60607 - (312) 455-0675 - View Map
Vivian Valtas - State Farm Insurance Agent
6108 S Archer Ave - Chicago, IL 60638 - (773) 582-3322 - View Map
Deciding on an auto insurance agent should include more criteria than just the price. The answers to these questions are important, too.
- Do they offer rental car reimbursement?
- Has the agent ever had any license suspensions?
- Is vehicle damage repaired with OEM or aftermarket parts?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do the companies they represent have a solid financial rating?
- Do they feel the quoted coverages are adequate?
Upon receiving positive feedback and a good coverage price, it's possible that you found an insurance agency that meets the requirements to properly insure your vehicles.
Three main reasons to buy car insurance
Even though it's not necessarily cheap to insure a Chevy in Chicago, car insurance is most likely required but also gives you several important benefits.
First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you want to drive legally. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your City Express has a loan, it's guaranteed your bank will have a requirement that you carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Chevy for a much higher rate and force you to reimburse them the higher price.
Third, insurance protects both your vehicle and your assets. Insurance will also pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially with large liability claims. The average driver in Illinois is wasting up to $800 each year so you should quote rates at every renewal to be sure current rates are still competitive.
Auto insurance 101
Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.
Auto liability
Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 20/40/15 that translate to $20,000 in coverage for each person's injuries, $40,000 for the entire accident, and a limit of $15,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability coverage protects against claims such as medical expenses, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible. Illinois requires minimum liability limits of 20/40/15 but it's recommended drivers buy more coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection when other motorists are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy City Express.
Because many people only purchase the least amount of liability that is required (Illinois limits are 20/40/15), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy's liability coverage.
Comprehensive insurance
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like damage from flooding, hail damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like EMT expenses, pain medications and ambulance fees. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Coverage for collisions
Collision insurance will pay to fix damage to your City Express resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to raise the deductible on your City Express to bring the cost down.
Compare. Compare. Compare.
You just learned quite a bit of information on how to lower your Chevy City Express insurance prices in Chicago. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest prices are with a smaller regional carrier. These companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive or GEICO.
As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits and discovered at claim time that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
Even more information can be read at these sites:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has Cheap Chicago Auto Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Cheap Auto Insurance for College Students in Chicago? (FAQ)
- Who Has Affordable Auto Insurance for High Mileage Drivers in Chicago? (FAQ)
- What Car Insurance is Cheapest for a School Permit in Chicago? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Ram in Chicago? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Auto Insurance Learning Center (State Farm)
- Auto Crash Statistics (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)