We don’t have to tell you that car insurance companies don’t want you to compare rates. People who get price comparisons are highly likely to buy a new policy because they have good chances of getting low-cost coverage. A recent study showed that consumers who did price comparisons regularly saved about $3,500 over four years compared to drivers who never compared other company’s rates.
If finding the best rates on insurance in Portland is your goal, then knowing the best ways to shop for insurance can save time and money.
If your goal is the lowest price, then the best way to find cheaper quotes for Chevy City Express insurance is to begin comparing prices regularly from insurance carriers in Portland.
- Get a basic knowledge of what coverages are included in your policy and the changes you can make to drop your rates. Many factors that are responsible for high rates like traffic citations, accidents, and a low credit rating can be rectified by improving your driving habits or financial responsibility. This article gives more information to help prevent expensive coverage and earn a bigger discount.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for many different companies.
- Compare the new rate quotes to your existing coverage to see if cheaper City Express coverage is available in Portland. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current agent or company of your intent to cancel your current policy and submit a signed application and payment for your new coverage. As soon as you can, safely store the certificate verifying coverage in an accessible location in your vehicle.
An important bit of advice to remember is to try to compare identical deductibles and limits on every quote request and and to get price quotes from as many car insurance companies as possible. Doing this guarantees a fair price comparison and a better comparison of the market.
Where can I get affordable Portland Chevy City Express insurance?
Cutting your Portland insurance rates is not rocket science. You just have to take a couple of minutes comparing free Portland auto insurance quotes to find out which insurance company has affordable Chevrolet City Express insurance quotes.
The companies shown below have been selected to offer price quotes in Oregon. In order to find the cheapest car insurance in Portland, OR, we recommend you click on several of them to get the best price comparison.
Earn discounts to get lower-cost Portland auto insurance rates
Auto insurance can be pricey, but you might be missing out on some discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of purchase, but a few need to be requested specifically before you get the savings.
- Telematics Discount – Drivers that enable companies to monitor when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they exhibit good driving behavior.
- Drive Less and Save – Keeping the miles down on your Chevy could qualify for better rates on cars that stay parked.
- Portland Homeowners Pay Less – Owning your own home or condo may trigger a policy discount on auto insurance since home ownership demonstrates responsibility.
- Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
- Online Discount – A few larger companies give back up to $50 for buying your policy over the internet.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life insurance policy as well.
- Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
- Responsible Drivers – Drivers without accidents may receive a discount up to 45% than their less cautious counterparts.
It’s important to understand that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.
The information below illustrates the difference between Chevy City Express auto insurance rates with and without discounts applied to the premium. Data assumes a female driver, no violations or accidents, Oregon 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 safe-driver, multi-car, marriage, multi-policy, claim-free, and homeowner discounts applied.
A partial list of companies who might offer these discounts include:
Before buying, ask every prospective company which discounts you qualify for. All car insurance discounts might not be offered in every state. To view insurance companies that can offer you the previously mentioned discounts in Portland, click this link.
Chevy City Express insurance rates and statistics
The coverage information displayed below showcases a range of insurance rates for Chevy City Express models. Being able to understand how car insurance premiums are formulated helps drivers make decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$208||$336||$326||$20||$98||$988||$82|
|City Express Cargo 1500 2WD||$208||$408||$326||$20||$98||$1,060||$88|
|City Express Cargo 3500 2WD||$240||$408||$326||$20||$98||$1,092||$91|
|City Express 2500 LT 2WD||$240||$408||$326||$20||$98||$1,092||$91|
|City Express 2500 2WD||$240||$408||$326||$20||$98||$1,092||$91|
|City Express 2500 LS 2WD||$240||$408||$326||$20||$98||$1,092||$91|
|City Express 3500 2WD||$240||$408||$326||$20||$98||$1,092||$91|
|City Express Cargo 1500 AWD||$240||$408||$326||$20||$98||$1,092||$91|
|City Express 1500 LS 2WD||$240||$408||$326||$20||$98||$1,092||$91|
|City Express 1500 LS AWD||$240||$480||$326||$20||$98||$1,164||$97|
|City Express 1500 AWD||$240||$480||$326||$20||$98||$1,164||$97|
|City Express 1500 LT 2WD||$240||$480||$326||$20||$98||$1,164||$97|
|City Express Cargo 1500 Turbo Diesel 2WD||$240||$480||$326||$20||$98||$1,164||$97|
|City Express Cargo 2500 Turbo Diesel 2WD||$270||$480||$326||$20||$98||$1,194||$100|
|City Express 3500 LT 2WD||$270||$480||$326||$20||$98||$1,194||$100|
|City Express 3500 LS 2WD||$270||$480||$326||$20||$98||$1,194||$100|
|City Express 3500 2WD||$270||$480||$326||$20||$98||$1,194||$100|
|City Express 1500 LT AWD||$270||$480||$326||$20||$98||$1,194||$100|
|City Express Cargo 3500 Turbo Diesel 2WD||$270||$480||$326||$20||$98||$1,194||$100|
|City Express Cargo 1500 Turbo Diesel AWD||$270||$480||$326||$20||$98||$1,194||$100|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in garaging location in Portland which can lower or raise auto insurance rates significantly.
Cost difference between full coverage and liability
The information below illustrates the comparison of Chevy City Express premium costs with liability coverage only compared to full coverage. The premiums are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop comprehensive and collision
There is no exact rule of when to phase out full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s assume your Chevy City Express settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the deductible is paid. If you are paying in excess of $200 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some conditions where only buying liability is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Seven Tips to Get Cheap Portland Insurance Premiums
Many factors are part of the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are more transparent such as your credit history or your commute time. The best way to find cheaper auto insurance is to take a look at the different types of things that come into play when calculating the level of your policy premiums. If you understand what determines premiums, this allows you to make good choices that may result in lower auto insurance prices.
With age comes responsibility – Young drivers in Oregon are statistically shown to be careless and easily distracted when at the wheel of a vehicle so auto insurance rates are higher. Older drivers are more responsible, cost insurance companies less in claims, and are safer drivers.
The chart below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Is you occupation costing you more? – Careers such as fire fighters, architects, and emergency personnel generally have higher premiums than the average policyholder in part from job stress and lots of time spent at work. Other jobs such as farmers, engineers and the unemployed get better rates.
Are men or women drivers cheaper? – The statistics show women are more cautious behind the wheel. Now that doesn’t mean females are better at driving than males. Males and females are in auto accidents at a similar rate, but guys have accidents that have higher claims. Men also statistically receive more costly citations such as reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore pay the highest rates.
The example below visualizes the comparison of Chevy City Express annual premium costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Liability protection preserves assets – The liability section of your policy is the protection in the event that a court rules you are at fault for damages caused by your negligence. It provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Bad credit will cost you – Your credit rating will be a significant factor in your rate calculation. If your credit rating is low, you could be paying less to insure your Chevrolet City Express by taking the time to improve your credit score. Insureds with very good credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Pay more out-of-pocket – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. Physical damage deductibles represent how much money the insured will be required to pay if you file a covered claim. The higher the amount you’re willing to pay, the less your company will charge you for insurance.
More traffic means higher claims – Being located in less populated areas has it’s advantages when it comes to auto insurance. Residents of big cities have to deal with congested traffic and higher rates of accident claims. Fewer drivers translates into fewer accidents in addition to fewer liability claims.
Local Portland insurance agents
Certain consumers still like to visit with an insurance agent and often times that is recommended Most agents can help determine the best coverages and will help you if you have claims. The biggest benefit of comparing rate quotes online is you can get the best rates and still have an agent to talk to. Buying from and supporting local insurance agencies is especially important in Portland.
After completing this short form, your insurance coverage information is sent to participating agents in Portland that can provide free Portland auto insurance quotes to get your business. You never need to find an agent on your own since rate quotes are delivered straight to your inbox. If you wish to quote rates from a specific company, just find their quoting web page to submit a rate quote request.
Not all auto insurance agents are the same
If you need to find a reliable insurance agency, it’s helpful to know the different types of agencies and how they can quote your rates. Auto insurance agents in Portland can be described as either independent agents or exclusive agents. Both can sell auto insurance policies, but it’s good to learn the subtle differences because it can impact your agent selection.
Independent Insurance Agents
These agents often have affiliation with several companies so as a result can place your coverage with many different companies and help determine which has the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage and you stay with the same agent.
When comparison shopping, you will definitely want to include price quotes from several independent insurance agents to get the most accurate price comparison. Most independent agents also contract with smaller mutual companies which may provide better rates.
Listed below is a short list of independent insurance agencies in Portland that may be able to give you competitive price quotes.
- WelPland Insurance, SE Portland and Clackamas County
5845 SE 82nd Ave – Portland, OR 97266 – (503) 777-5406 – View Map
- Oregon Insurance Advisor – Mark Strauss
5201 SW Westgate Dr #300 – Portland, OR 97221 – (503) 922-4847 – View Map
- Pibal Insurance Brokers of Oregon
1314 NW Irving St – Portland, OR 97209 – (503) 287-8808 – View Map
Exclusive agencies are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide other company’s prices so they really need to provide good service. These agents are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from exclusives mostly because of loyalty to the company and strong financial ratings.
Below are Portland exclusive agencies willing to provide comparison quotes.
- Chris Shobe – State Farm Insurance Agent
2900 SE Stark St b – Portland, OR 97214 – (971) 242-8981 – View Map
- Chad Humphrey – State Farm Insurance Agent
15160 NW Laidlaw Rd #210 – Portland, OR 97229 – (503) 992-6251 – View Map
- Kilong Ung – State Farm Insurance Agent
4000 SE 82nd Ave #1400 – Portland, OR 97266 – (503) 777-6762 – View Map
Choosing a auto insurance agent should depend on more than just the premium amount. The answers to these questions are important, too.
- Do they feel the quoted coverages are adequate?
- Will they make sure you get an adequate claim settlement?
- How long have they worked with personal auto insurance coverage?
- Do they have designations such as AIC, CPCU, or CIC?
- Does the company allow you to choose your own collision repair facility?
When in doubt talk to an agent
When it comes to buying your policy for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply.
For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.
- When should my teen driver be added to my policy?
- Is water damage covered by my policy?
- Are rock chip repairs covered?
- How much liability do I need to cover my assets?
- Is my cargo covered for damage or theft?
- Do I need special coverage while pulling a rented trailer?
- Do I have ACV or replacement cost coverage?
- What is the rate difference between pleasure use and commuting?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.
Get the best coverage at the best price
In this article, we covered quite a bit of information on how to lower your Chevy City Express insurance rates in Portland. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable Portland auto insurance quotes. Drivers may even discover the lowest priced insurance comes from an unexpected company. Some small companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate, GEICO and Progressive.
As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.
Cheaper Chevy City Express insurance in Portland can be found online in addition to many Portland insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide online rate quotes and many times these small, regional companies only sell through independent insurance agents.
To read more, take a look at the following helpful articles:
- Anti-Lock Brake FAQ (iihs.org)
- What Car Insurance is Cheapest for a Nissan Versa in Portland? (FAQ)
- Who Has Cheap Car Insurance Rates for a Ford Fusion in Portland? (FAQ)
- How Much are Auto Insurance Rates for a Subaru Outback in Portland? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers with a DUI in Portland? (FAQ)
- Red Light Cameras (State Farm)
- Speed and Speed Limit FAQ (iihs.org)