Statistics show that a large majority of car insurance policyholders have bought car insurance from the same company for at least the last four years, and approximately 40% of consumers have never compared rates to find lower-cost insurance. Most drivers in Madison could save 30% a year by just shopping around, but they just assume it takes a lot of time to shop around.
Really, the only way to find the cheapest price for Chevy City Express insurance is to start comparing prices yearly from providers that insure vehicles in Madison. Price quotes can be compared by following these guidelines.
Step 1: It will benefit you to learn about what coverages are included in your policy and the things you can control to keep rates in check. Many policy risk factors that result in higher prices such as traffic tickets, fender benders, and an unfavorable credit rating can be amended by making minor driving habit or lifestyle changes. This article provides additional tips to help keep rates affordable and get discounts that may be overlooked.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while independent agents can quote rates from many different companies.
Step 3: Compare the quotes to the premium of your current policy to determine if you can save on City Express insurance in Madison. If you find a lower rate, make sure there is no lapse in coverage.
Step 4: Give notification to your current company to cancel the current policy and submit the signed application along with the required initial payment to your new agent or company. Make sure you keep the new proof of insurance certificate in an accessible location in your vehicle.
A key point to remember is that you’ll want to make sure you compare similar deductibles and liability limits on every quote request and and to get rate quotes from as many carriers as you can. Doing this helps ensure an accurate price comparison and the best price quote selection.
The providers in the list below provide price quotes in Madison, WI. To get the best cheap auto insurance in Wisconsin, we suggest you visit several of them to get the most affordable price.
Chevy City Express insurance analysis
The premium information below outlines estimates of insurance premium costs for Chevy City Express models. Being able to understand how auto insurance policy rates are determined can help customers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $192 | $362 | $310 | $18 | $92 | $974 | $81 |
| City Express Cargo 1500 2WD | $192 | $440 | $310 | $18 | $92 | $1,052 | $88 |
| City Express Cargo 3500 2WD | $220 | $440 | $310 | $18 | $92 | $1,080 | $90 |
| City Express 2500 LT 2WD | $220 | $440 | $310 | $18 | $92 | $1,080 | $90 |
| City Express 2500 2WD | $220 | $440 | $310 | $18 | $92 | $1,080 | $90 |
| City Express 2500 LS 2WD | $220 | $440 | $310 | $18 | $92 | $1,080 | $90 |
| City Express 3500 2WD | $220 | $440 | $310 | $18 | $92 | $1,080 | $90 |
| City Express Cargo 1500 AWD | $220 | $440 | $310 | $18 | $92 | $1,080 | $90 |
| City Express 1500 LS 2WD | $220 | $440 | $310 | $18 | $92 | $1,080 | $90 |
| City Express 1500 LS AWD | $220 | $518 | $310 | $18 | $92 | $1,158 | $97 |
| City Express 1500 AWD | $220 | $518 | $310 | $18 | $92 | $1,158 | $97 |
| City Express 1500 LT 2WD | $220 | $518 | $310 | $18 | $92 | $1,158 | $97 |
| City Express Cargo 1500 Turbo Diesel 2WD | $220 | $518 | $310 | $18 | $92 | $1,158 | $97 |
| City Express Cargo 2500 Turbo Diesel 2WD | $248 | $518 | $310 | $18 | $92 | $1,186 | $99 |
| City Express 3500 LT 2WD | $248 | $518 | $310 | $18 | $92 | $1,186 | $99 |
| City Express 3500 LS 2WD | $248 | $518 | $310 | $18 | $92 | $1,186 | $99 |
| City Express 3500 2WD | $248 | $518 | $310 | $18 | $92 | $1,186 | $99 |
| City Express 1500 LT AWD | $248 | $518 | $310 | $18 | $92 | $1,186 | $99 |
| City Express Cargo 3500 Turbo Diesel 2WD | $248 | $518 | $310 | $18 | $92 | $1,186 | $99 |
| City Express Cargo 1500 Turbo Diesel AWD | $248 | $518 | $310 | $18 | $92 | $1,186 | $99 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in garaging location in Madison which can change price quotes substantially.
Impact of careless driving on Madison auto insurance rates
The diagram below illustrates how traffic citations and at-fault claims can affect Chevy City Express insurance costs for different categories of driver ages. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
Chevrolet City Express liability-only versus full coverage
The information below shows the comparison of Chevy City Express car insurance rates with full physical damage coverage and with liability coverage only. The rates are based on no violations or claims, $1,000 deductibles, single status, and no discounts are factored in.
Should you pay for full coverage?
There is no set guideline for eliminating full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s say your Chevy City Express settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying your policy deductible. If premium cost is more than $400 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Get rate quotes but still have a neighborhood Madison auto insurance agent
A lot of people prefer to get advice from a local agent and there is nothing wrong with that. Agents can help determine the best coverages and help file insurance claims. A good thing about comparing rates online is you may find the lowest rates but still work with a licensed agent.
For easy comparison, once you complete this short form, your information is immediately sent to participating agents in Madison who will gladly provide quotes for your insurance coverage. You won’t even need to search for an agent as quotes are delivered to your email. If you want to quote rates from one company in particular, just find their quoting web page and complete a quote there.
Finding a good insurance company requires more thought than just the price. Ask your prospective agent these questions:
- If your car is in the repair shop, do you have coverage for a rental car?
- Are aftermarket or OEM parts used to repair vehicles?
- Who is covered by the car insurance policy?
- Are they in the agency full-time?
- How much can you save by raising your physical damage deductibles?
- What will you get paid if your car is a total loss? How is that amount determined?
- What insurance companies do they recommend if they are an independent agent?
If you are wanting to find a reputable agency, it helps to know the two types of insurance agents and how they function. Insurance agents are classified as either exclusive agents or independent agents. Either type can properly insure your vehicles, but it is important to understand why they differ since it can affect which agent you choose.
Exclusive Insurance Agencies
Agents of this type can only place business with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to give you multiple price quotes so you might not find the best rates. Exclusive agents are very knowledgeable on their company’s products which helps them sell on service rather than price. Consumers frequently use the same agent mostly because of loyalty to the company rather than low price.
Below is a list of exclusive agents in Madison who can help you get comparison quotes.
- American Family Insurance – D Webster-Scher Agency Inc.
637 E Washington Ave – Madison, WI 53703 – (608) 249-3111 – View Map - American Family Insurance – Ed Flynn
514 Grand Canyon Dr – Madison, WI 53719 – (608) 833-1717 – View Map - Aaron Perry – State Farm Insurance Agent
2605 Monroe St – Madison, WI 53711 – (608) 238-7107 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are normally appointed by many insurers so they can write business with an assortment of companies and potentially find a lower price. If you are not satisfied with one company, they simply switch companies in-house which is easy for the insured. If you are trying to find cheaper rates, it’s recommended you include rate quotes from independent agents to get the best comparison. They often place coverage with companies that do not advertise much which may have better rates.
Shown below are independent agencies in Madison that are able to give price quotes.
- Homewood Insurance Agency
583 D’onofrio Dr Ste. 1012 – Madison, WI 53719 – (608) 442-6666 – View Map - Neckerman Insurance Services
6200 Mineral Point Rd – Madison, WI 53705 – (608) 238-2686 – View Map - M3 Insurance
828 John Nolen Dr – Madison, WI 53713 – (608) 273-0655 – View Map