Shockingly, most consumers in California kept buying from the same company for more than four years, and 38% of drivers have never shopped around. U.S. consumers could save themselves about 46.5% a year just by getting comparison quotes, but they don’t believe the big savings they would realize if they switched to a cheaper policy.
If you want to find the absolute lowest rates, then the best way to get discount auto insurance rates is to compare prices at least once a year from companies that insure vehicles in San Francisco. You can compare prices by completing these steps.
Step 1: Try to understand how auto insurance works and the steps you can take to keep rates in check. Many policy risk factors that increase rates such as inattentive driving and an imperfect credit rating can be eliminated by making minor driving habit or lifestyle changes.
Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while independent agencies can quote prices from many different companies.
Step 3: Compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save some money and switch companies, make sure coverage is continuous and does not lapse.
Step 4: Provide notification to your current company of your intent to cancel your current auto insurance policy and submit a down payment along with a completed application for the new policy. Once coverage is bound, keep your new certificate verifying coverage with the vehicle registration.
The critical component of shopping around is to make sure you’re comparing the same amount of coverage on every quote and and to get rate quotes from as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and a complete price analysis.
Low Cost companies for Chevy City Express insurance in California
The following companies offer free rate quotes in San Francisco, CA. If multiple providers are shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Rates and detailed analysis
The premium table displayed next highlights estimates of insurance costs for Chevy City Express models. Having a better idea how insurance prices are calculated is important to be able to make decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$322||$554||$450||$26||$134||$1,486||$124|
|City Express Cargo 1500 2WD||$322||$672||$450||$26||$134||$1,604||$134|
|City Express Cargo 3500 2WD||$368||$672||$450||$26||$134||$1,650||$138|
|City Express 2500 LT 2WD||$368||$672||$450||$26||$134||$1,650||$138|
|City Express 2500 2WD||$368||$672||$450||$26||$134||$1,650||$138|
|City Express 2500 LS 2WD||$368||$672||$450||$26||$134||$1,650||$138|
|City Express 3500 2WD||$368||$672||$450||$26||$134||$1,650||$138|
|City Express Cargo 1500 AWD||$368||$672||$450||$26||$134||$1,650||$138|
|City Express 1500 LS 2WD||$368||$672||$450||$26||$134||$1,650||$138|
|City Express 1500 LS AWD||$368||$792||$450||$26||$134||$1,770||$148|
|City Express 1500 AWD||$368||$792||$450||$26||$134||$1,770||$148|
|City Express 1500 LT 2WD||$368||$792||$450||$26||$134||$1,770||$148|
|City Express Cargo 1500 Turbo Diesel 2WD||$368||$792||$450||$26||$134||$1,770||$148|
|City Express Cargo 2500 Turbo Diesel 2WD||$416||$792||$450||$26||$134||$1,818||$152|
|City Express 3500 LT 2WD||$416||$792||$450||$26||$134||$1,818||$152|
|City Express 3500 LS 2WD||$416||$792||$450||$26||$134||$1,818||$152|
|City Express 3500 2WD||$416||$792||$450||$26||$134||$1,818||$152|
|City Express 1500 LT AWD||$416||$792||$450||$26||$134||$1,818||$152|
|City Express Cargo 3500 Turbo Diesel 2WD||$416||$792||$450||$26||$134||$1,818||$152|
|City Express Cargo 1500 Turbo Diesel AWD||$416||$792||$450||$26||$134||$1,818||$152|
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in vehicle location which can alter prices greatly.
The information below highlights how deductible choice and can influence Chevy City Express yearly insurance costs for different insured age categories. The data is based on a single male driver, comp and collision included, and no policy discounts are applied.
How accidents and tickets impact rates
The chart below highlights how speeding tickets and fender-benders increase Chevy City Express auto insurance rates for different ages of insureds. The data is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
Difference between full coverage and liability only rates
The diagram below illustrates the comparison of Chevy City Express car insurance rates with full coverage and liability only. The prices are based on no accidents or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.
When to stop paying for full coverage
There is no definitive guideline of when to eliminate physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Chevy City Express replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after you pay the deductible. If it’s costing in excess of $800 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some cases where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Determine discounts on San Francisco auto insurance
Some insurers don’t always advertise every available discount very well, so the following is a list of both well-publicized and also the more inconspicuous ways to save on auto insurance.
- Theft Prevention Discount – Cars with anti-theft systems can help prevent theft and can earn a small discount on your policy.
- Savings for New Vehicles – Buying a new car instead of a used City Express can save up to 30% because new vehicles are generally safer.
- Air Bag Discount – Factory options such as air bags can get savings as much as 30%.
- Online Discount – Some of the larger companies will give you a small discount for buying a policy and signing up on your computer.
- Safety Course Discount – Passing a defensive driver course could earn you a small percentage discount and make you a better driver.
- Multi-policy Discount – If you can bundle your home and auto insurance with the same company you may save over 10 percent off each policy depending on the company.
- Federal Employees – Simply working for the federal government could cut as much as 10% off with certain companies.
- Military Deployment Discount – Being deployed in the military can result in better rates.
- Homeowners Savings – Just being a homeowner can earn you a little savings because it is proof that your finances are in order.
- Driving Data Discount – Policyholders that allow data collection to monitor when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
Don’t be shocked that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.
The chart below visualizes the comparison of Chevy City Express car insurance rates with and without discounts. The premiums assume a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, homeowner, safe-driver, and multi-policy discounts applied.
A few companies that may offer policyholders most of these discounts possibly include:
If you need cheaper San Francisco car insurance quotes, ask each company how many discounts you can get. Some credits might not apply everywhere. If you would like to view auto insurance companies that provide some of the discounts listed above in San Francisco, click here to view.
Insurance can be complex
When buying insurance from an agent or online, there really isn’t a best way to insure your cars. Everyone’s needs are different and your insurance should unique, too.
Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.
- How much will a speeding ticket raise my rates?
- Do I need to call my car insurance company before buying a new car?
- Is my trailer covered?
- What is the difference between personal and commercial auto insurance policies?
- How can I get the company to pay a claim?
- How much can I save by bundling my policies?
- What are good deductibles for a Chevy City Express?
- Can I afford to buy a different vehicle if my Chevy City Express is totaled?
- Who does medical payments coverage extend to?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk 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 may give you better protection.
Insurance is available from agents near you
A lot of people still like to visit with an insurance agent and that is a smart decision Professional agents can help you build your policy and help in the event of a claim. An additional benefit of getting online price quotes is you may find better rates and still have a local agent. Buying from local agencies is still important in San Francisco.
To help locate an agent, after submitting this quick form, your insurance data is immediately sent to local insurance agents who will return price quotes for your coverage. You don’t have to search for an agent since rate quotes are delivered immediately to your email address. If you wish to compare rates from a specific insurance provider, just visit that company’s website and complete a quote there.
Choosing the best insurance company needs to be determined by more than just the price. Any agent in San Francisco should be willing to answer these questions.
- How are claims handled?
- Are they paid to recommend certain coverages?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Will the agent or a CSR service your policy?
- Is assistance available after office hours?
- What insurance companies do they work with in San Francisco?
Upon receiving positive feedback to all your questions and cheaper City Express insurance quotes, you may have found an provider that meets the criteria to provide insurance coverage. Just keep in mind you are entitled to cancel your policy for any reason so don’t feel that you’re stuck with the insurance policy with no way to switch.
Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.
Liability – Liability coverage protects you from damage that occurs to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/5 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage, funeral expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible. California requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.
The next chart demonstrates why minimum state limits may not be enough.
Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as funeral costs, prosthetic devices, X-ray expenses, rehabilitation expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy City Express.
Due to the fact that many California drivers carry very low liability coverage limits (15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.
Collision coverage – Collision insurance will pay to fix damage to your City Express from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things like colliding with a tree, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible on your City Express in order to get cheaper collision rates.
Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
You can lower your car insurance rates
While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big mistake. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
Budget-friendly car insurance in San Francisco can be bought both online as well as from independent agents in San Francisco, so you should compare both to have the best rate selection. A few companies do not offer rates over the internet and these small, regional companies only sell coverage through independent insurance agents.
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has Cheap San Francisco Auto Insurance for Low Credit Scores? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in San Francisco? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)
- Airbag FAQ (iihs.org)