Best Houston Chevy City Express Insurance

Wish you could get a refund on overpriced Chevy City Express insurance in Houston? Trust us, many Houston drivers have buyer’s remorse.

Insurance rates Chevy City Express in HoustonSadly, about 70% of customers have been with the same company for at least the last four years, and 38% of customers have never shopped around. With the average premium in the United States being $1,847, drivers could save nearly 46.5% each year, but they just assume it’s a time-consuming process to find cheaper rates by getting comparison quotes. Popular companies such as GEICO and Progressive persitently shower you with catchy ads and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

It is always a good idea to get comparison quotes before your policy renews because insurance prices tend to go up over time. Even if you think you had the lowest rates on Chevy City Express insurance in Houston last year a different company probably has better rate quotes today. There is a lot of bad information regarding City Express insurance out there, but in just a couple of minutes you can learn some solid techniques on how to find cheap auto insurance in Houston.

Most larger insurance companies provide prices for coverage direct online. This process is fairly straightforward as all you need to do is type in your coverage preferences into the form. After the form is submitted, their system collects credit information and your driving record and returns a price quote based on the information you submitted. Getting online rate quotes for Chevy City Express insurance in Houston makes it simple to compare prices and it is important to get many rate quotes in order to get cheap rates.

In order to fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you duplicate your coverages exactly as shown on your declarations page. This way, you will have a fair comparison for similar insurance coverage.

The companies in the list below have been selected to offer price quotes in Houston, TX. If the list has multiple companies, we recommend you get price quotes from several of them to get the most competitive price.


Chevrolet City Express Insurance Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
City Express Cargo 2500 2WD $180 $322 $430 $26 $128 $1,086 $91
City Express Cargo 1500 2WD $286 $592 $382 $22 $114 $1,396 $116
City Express Cargo 3500 2WD $282 $560 $496 $30 $148 $1,516 $126
City Express 2500 LT 2WD $142 $266 $366 $22 $110 $906 $76
City Express 2500 2WD $298 $544 $392 $24 $118 $1,376 $115
City Express 2500 LS 2WD $314 $670 $496 $30 $148 $1,658 $138
City Express 3500 2WD $322 $682 $462 $28 $138 $1,632 $136
City Express Cargo 1500 AWD $156 $322 $430 $26 $128 $1,062 $89
City Express 1500 LS 2WD $286 $486 $388 $24 $116 $1,300 $108
City Express 1500 LS AWD $234 $542 $462 $28 $138 $1,404 $117
City Express 1500 AWD $318 $684 $388 $24 $116 $1,530 $128
City Express 1500 LT 2WD $142 $312 $366 $22 $110 $952 $79
City Express Cargo 1500 Turbo Diesel 2WD $140 $306 $358 $22 $108 $934 $78
City Express Cargo 2500 Turbo Diesel 2WD $356 $788 $496 $30 $148 $1,818 $152
City Express 3500 LT 2WD $158 $306 $358 $22 $108 $952 $79
City Express 3500 LS 2WD $318 $718 $430 $26 $128 $1,620 $135
City Express 3500 2WD $228 $452 $514 $30 $154 $1,378 $115
City Express 1500 LT AWD $264 $542 $462 $28 $138 $1,434 $120
City Express Cargo 3500 Turbo Diesel 2WD $378 $584 $500 $30 $150 $1,642 $137
City Express Cargo 1500 Turbo Diesel AWD $356 $788 $496 $30 $148 $1,818 $152
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Chevrolet City Express liability rates compared to full coverage

The example below examines Chevrolet City Express yearly insurance costs when comparing full coverage to liability only. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, married male driver, and no discounts are taken into consideration.

Guidelines for eliminating full coverage

There is no definitive formula to stop buying physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Chevrolet City Express replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after you pay the deductible. If you are currently paying more than $700 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have 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 totaled, you should not remove full coverage.

Deductible comparison

The illustration below highlights how deductible selection and can impact Chevrolet City Express yearly insurance costs for each different age group. The data assumes a married female driver, full physical damage coverage, and no discounts are factored in.

Drive responsibly or pay higher rates

The example below demonstrates how speeding tickets and accident claims can drive up Chevrolet City Express auto insurance costs for each different age group. The information is based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Insurance is not optional

Despite the fact that insurance is not cheap in Houston, paying for insurance may be required and benefits you in several ways.

First, the majority of states have mandatory insurance requirements which means the state requires specific minimum amounts of liability protection in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your Chevy City Express, most lenders will require that you carry insurance to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender may have to buy a policy to insure your Chevy at a much higher premium rate and require you to pay the higher price.

Third, insurance preserves your car and your assets. Insurance will also pay for medical bills that are the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Chevy gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of having insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is overpaying more than $800 each year so you should quote and compare rates every year to help ensure money is not being wasted.

Save with these ten price cutting discounts

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we break down some of the best known as well as the least known credits that may apply to you.Cheaper insurance with discounts

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

Popular insurance companies and a selection of discounts are:

If you want the cheapest Chevrolet City Express rate quotes, ask each company which discounts can lower your rates. Discounts may not be available everywhere. If you would like to choose from a list of insurance companies with discount rates in Houston, follow this link.

Insurance quotes from neighborhood Houston auto insurance agents

Certain consumers still prefer to visit with an insurance agent and that is OK! Professional insurance agents can help determine the best coverages and give you someone to call. One of the great benefits of getting online price quotes is that drivers can save money and get lower rates and still choose a local agent. And providing support for local insurance agencies is especially important in Houston.

Insurance agency in HoustonBy using this quick form, your insurance data is emailed to insurance agents in Houston who will give you bids for your business. You won’t need to leave your house as quotes are delivered to you. If for some reason you want to get a comparison quote for a specific company, you can always go to their quote page to submit a rate quote request.

If you prefer to buy insurance from a local agent, it can be helpful to understand the types of insurance agents and how they are distinctly different. Agencies in Houston can be categorized as either exclusive or independent agents depending on their company appointments. Either can sell affordable insurance policies, but it’s important to point out how they differ because it can influence the kind of agent you use.

Independent Insurance Agents

Agents in the independent channel can quote rates with many companies and that enables them to quote your coverage through lots of different companies and find the cheapest rate. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to switch agencies.

If you are comparing insurance prices, we highly recommend that you contact at a minimum one independent agency for the best price selection.

Below are Houston independent insurance agencies that may be able to give free price quotes.


24301 Brazos Town CrossingRosenberg, TX 77471(979) 553-4343View Map


6633 Hillcroft St #101Houston, TX 77081(713) 270-9373View Map


5420 Chimney Rock RdHouston, TX 77081(832) 778-8600View Map

View more Houston agents

Exclusive Insurance Agents

Exclusive agents generally can only insure with one company and some examples include State Farm, Allstate and AAA. They generally cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are well trained on their company’s products which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agents in Houston that are able to give rate quotes.


6489 Wilcrest DrHouston, TX 77072(281) 498-1010View Map


1616 Clear Lake City Blvd #107Houston, TX 77062(281) 486-9100View Map


13030 Woodforest Blvd bHouston, TX 77015(713) 451-5716View Map

View more Houston agents

Selecting an insurance agency requires more thought than just the bottom line cost. These are some valid questions you should ask.

Once you have received positive responses to all your questions as well as a price you’re happy with, it’s a good possibility that you have found an insurance agent that is reliable enough to insure your vehicles. Keep in mind it’s your coverage and you can terminate coverage when you choose so don’t think you’re contractually obligated to a policy for the full term.

Specific coverages for a Chevy City Express

Knowing the specifics of car insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, damage from flooding, fire damage and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, EMT expenses, chiropractic care, nursing services and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 30/60/25 that translate to a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income, pain and suffering, attorney fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford. Texas state minimum liability requirements are 30/60/25 but you should think about purchasing better liability coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Chevy City Express.

Because many people only purchase the least amount of liability that is required (30/60/25 in Texas), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible on your City Express to save money on collision insurance.

Smart consumers save more

Throughout this article, we presented a lot of information how to find affordable Chevy City Express insurance in Houston. The key thing to remember is the more providers you compare, the higher your chance of finding cheaper Houston car insurance quotes. Consumers could even find that the best price on insurance is with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

The cheapest Chevy City Express insurance in Houston can be bought on the web as well as from independent agents in Houston, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer online rate quotes and most of the time these smaller providers provide coverage only through independent insurance agencies.

Additional learning opportunities