Would you like to save money by finding lower-priced Chevy City Express insurance in Oklahoma City? Price shopping your Chevy City Express insurance in Oklahoma City is nearly impossible for drivers not familiar with comparing prices online. With so many insurance agents and insurance companies available, it can easily become a burden to find more affordable Chevy City Express insurance rates.
It’s easy to assume that auto insurance companies don’t want you comparing rates. Insureds who compare rates once a year are inclined to switch companies because there are good odds of finding a policy with more affordable rates. A study showed that people who shopped around every year saved approximately $3,450 over four years compared to other drivers who don’t make a habit of comparing rates.
If finding the best price on Chevy City Express insurance in Oklahoma City is your intention, knowing how to get price quotes and compare coverages can help you succeed in finding affordable rates.
It’s smart to check auto insurance prices before your next renewal because auto insurance prices are constantly changing. If you had the lowest quotes on Chevy City Express insurance in Oklahoma City six months ago the chances are good that you can find a lower rate today. There are a lot of ways to save on City Express insurance online, but in a few minutes you can learn some great ideas on how to buy auto insurance cheaper in Oklahoma City.
Buying the cheapest car insurance in Oklahoma City seems hard but is not really that difficult. If you currently have car insurance, you stand a good chance to be able to lower your rates using the ideas you’re about to read. Although Oklahoma vehicle owners need to learn how companies sell online and apply this information to your search.
When price shopping your coverage, comparing all the rates in your area helps improve the odds of finding better pricing. Some companies don’t provide Oklahoma City City Express insurance quotes online, so it’s recommended that you also compare price quotes on coverage from those companies, too.
The car insurance companies shown below have been selected to offer quotes in Oklahoma City, OK. If multiple companies are shown, we recommend you visit several of them in order to find the lowest rates.
Chevy City Express insurance statistics and information
The data table displayed next covers a range of insurance policy prices for Chevy City Express models. Having knowledge of how insurance policy premiums are determined can be of help when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $160 | $296 | $506 | $30 | $152 | $1,144 | $95 |
| City Express Cargo 1500 2WD | $160 | $360 | $506 | $30 | $152 | $1,208 | $101 |
| City Express Cargo 3500 2WD | $184 | $360 | $506 | $30 | $152 | $1,232 | $103 |
| City Express 2500 LT 2WD | $184 | $360 | $506 | $30 | $152 | $1,232 | $103 |
| City Express 2500 2WD | $184 | $360 | $506 | $30 | $152 | $1,232 | $103 |
| City Express 2500 LS 2WD | $184 | $360 | $506 | $30 | $152 | $1,232 | $103 |
| City Express 3500 2WD | $184 | $360 | $506 | $30 | $152 | $1,232 | $103 |
| City Express Cargo 1500 AWD | $184 | $360 | $506 | $30 | $152 | $1,232 | $103 |
| City Express 1500 LS 2WD | $184 | $360 | $506 | $30 | $152 | $1,232 | $103 |
| City Express 1500 LS AWD | $184 | $424 | $506 | $30 | $152 | $1,296 | $108 |
| City Express 1500 AWD | $184 | $424 | $506 | $30 | $152 | $1,296 | $108 |
| City Express 1500 LT 2WD | $184 | $424 | $506 | $30 | $152 | $1,296 | $108 |
| City Express Cargo 1500 Turbo Diesel 2WD | $184 | $424 | $506 | $30 | $152 | $1,296 | $108 |
| City Express Cargo 2500 Turbo Diesel 2WD | $208 | $424 | $506 | $30 | $152 | $1,320 | $110 |
| City Express 3500 LT 2WD | $208 | $424 | $506 | $30 | $152 | $1,320 | $110 |
| City Express 3500 LS 2WD | $208 | $424 | $506 | $30 | $152 | $1,320 | $110 |
| City Express 3500 2WD | $208 | $424 | $506 | $30 | $152 | $1,320 | $110 |
| City Express 1500 LT AWD | $208 | $424 | $506 | $30 | $152 | $1,320 | $110 |
| City Express Cargo 3500 Turbo Diesel 2WD | $208 | $424 | $506 | $30 | $152 | $1,320 | $110 |
| City Express Cargo 1500 Turbo Diesel AWD | $208 | $424 | $506 | $30 | $152 | $1,320 | $110 |
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in vehicle garaging location which can lower or raise coverage prices noticeably.
Buying the right Chevy vehicle insurance in Oklahoma is an important decision
Despite the potentially high cost of Chevy City Express insurance, maintaining insurance may be mandatory for several reasons.
- Just about all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance if you don’t want to risk a ticket. In Oklahoma 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, most lenders will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank may buy a policy for your Chevy for a much higher rate and require you to fork over a much higher amount than you were paying before.
- Insurance safeguards both your Chevy and your assets. It also can pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance definitely exceed the cost, especially when you need to use it. According to a recent study, the average American driver overpays more than $750 every year so you should quote rates once a year at a minimum to ensure rates are competitive.
Informed Consumers Can Cut Their Insurance Rates
An important part of buying insurance is that you know some of the things that help calculate your auto insurance rates. If you understand what determines premiums, this helps enable you to make changes that will entitle you to better auto insurance rates.
- Vocation stress can make you pay more – Do you have a high-stress occupation? Occupational choices like doctors, social workers, and miners generally have higher average rates attributed to job stress and long work hours. Conversely, occupations such as actors, historians and homemakers receive lower rates.
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Your gender affects rates – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean men are worse drivers. They both have accidents at about the same rate, but the men tend to have higher claims. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers cause the most accidents so it costs more to insure them.
The diagram below shows the comparison of Chevy City Express yearly insurance costs for male and female drivers. The rates are based on no violations or claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
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Lower rates come with age – Teen drivers in Oklahoma are known to be inattentive when at the wheel of a vehicle so they pay higher auto insurance rates. Older, more experienced drivers are shown to be more cautious, cause fewer claims and accidents, and receive fewer citations.
The next chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
- Cheaper auto insurance rates with safer cars – Vehicles with good safety scores can get you lower premiums. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates directly to fewer claims which can result in lower premiums.
- More policies can equal more savings – Most major insurance companies will award better rates to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even with this discount, it’s still a good idea to shop around to help ensure you have the lowest rates. Drivers may still find a better deal even if you insure with multiple companies
- Annual miles is a factor – The higher the mileage driven in a year the higher your rate. Many insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that are left in the garage cost less to insure than those used for commuting. Double check that your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your City Express may be wasting your money.
- Small coverages can add up – There are many extra coverages that sound like a good idea at the time when buying auto insurance. Coverages like vanishing deductibles, towing, and extra life insurance coverage are probably not needed. They may sound like good ideas at first, but if you’ve never needed them in the past remove them from your policy.
Oklahoma car insurance company ratings
Selecting the right car insurance company can be challenging considering how many companies there are in Oklahoma City. The ranking data in the lists below could help you pick which insurers to look at when comparing rates.
Top 10 Oklahoma City Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Smart consumers save more
People who switch companies do it for a variety of reasons including poor customer service, high rates after DUI convictions, being labeled a high risk driver or even delays in responding to claim requests. It doesn’t matter what your reason, finding the right insurance provider is not as difficult as it may seem.
In this article, we presented quite a bit of information on how to compare Chevy City Express insurance prices in Oklahoma City. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheaper Oklahoma City car insurance quotes. You may even find the best prices are with a company that doesn’t do a lot of advertising.
When you buy Oklahoma City car insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest cost.
How to buy low-cost Chevy City Express insurance in Oklahoma City
If saving the most money is your goal, then the best way to get affordable Chevy City Express insurance in Oklahoma City is to start doing a yearly price comparison from companies in Oklahoma. You can compare rates by completing these steps.
Step 1: Take a few minutes and learn about what is in your policy and the measures you can control to prevent expensive coverage. Many policy risk factors that cause rate increases such as accidents, traffic tickets, and a less-than-favorable credit score can be controlled by making lifestyle changes or driving safer.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while independent agencies can quote rates for a wide range of insurance providers.
Step 3: Compare the new quotes to your current policy to see if switching to a new carrier will save money. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Tell your current company to cancel your current policy and submit a down payment along with a signed application to the new insurer. Immediately place your new proof of insurance certificate above your visor, in the console, or in the glove compartment.
The key thing to remember is to use identical limits and deductibles on each quote and and to get prices from as many carriers as you can. Doing this helps ensure a level playing field and a complete price analysis.
More detailed insurance information can be read in these articles:
- Teen Driving Statistics (iihs.org)
- Who Has Cheap Oklahoma City Car Insurance Quotes for a Company Car? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Escape in Oklahoma City? (FAQ)
- Who Has Cheap Oklahoma City Auto Insurance for Drivers with a DUI? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Unemployed Drivers in Oklahoma City? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- What is Full Coverage? (Allstate)
- Frontal Crash Tests (iihs.org)