How long have you put off shopping around for low-cost Chevy City Express insurance in Cincinnati? Tired of robbing Peter to pay Paul to insure your Chevy every month? You’re in the same situation as most other people in Ohio.
It’s well known that car insurance companies want to keep you from comparing rates. People who shop for lower rates are likely to move their business because there are good odds of getting low-cost coverage. A survey found that drivers who compared price quotes annually saved on average $865 annually as compared to drivers who never shopped around.
If finding the cheapest price for auto insurance in Cincinnati is why you’re here, then having some insight into the best way to shop and compare insurance premiums can help you be more efficient. Since people have many choices of insurance companies that have lower-cost insurance for a Chevy City Express in Cincinnati, it is very difficult to locate the lowest cost insurer.
Consumers should take time to do price comparisons periodically since prices change frequently. Just because you had the best price on Chevy City Express insurance in Cincinnati two years ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn how to use online quotes to save on car insurance.
Finding a lower price on Chevy City Express insurance isn’t really that difficult. Just invest a little time to compare rate quotes provided by online insurance companies.
Comparing price quotes online is fast and free, and it makes it obsolete to make phone calls or go to different Cincinnati agent offices. The fact that you can get quotes online has reduced the need for local agents unless your situation requires the professional guidance of a licensed agent. Some companies do allow you to price shop your coverage online but buy from a local insurance agent.
The companies shown below have been selected to offer quotes in Ohio. In order to find the cheapest car insurance in OH, we recommend you visit several of them to find the most competitive auto insurance rates.
Coverage statistics and figures
The coverage table below showcases detailed analysis of insurance policy prices for Chevy City Express models. Learning how insurance policy premiums are established can help customers make 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 | $170 | $290 | $226 | $14 | $68 | $768 | $64 |
| City Express Cargo 1500 2WD | $170 | $352 | $226 | $14 | $68 | $830 | $69 |
| City Express Cargo 3500 2WD | $196 | $352 | $226 | $14 | $68 | $856 | $71 |
| City Express 2500 LT 2WD | $196 | $352 | $226 | $14 | $68 | $856 | $71 |
| City Express 2500 2WD | $196 | $352 | $226 | $14 | $68 | $856 | $71 |
| City Express 2500 LS 2WD | $196 | $352 | $226 | $14 | $68 | $856 | $71 |
| City Express 3500 2WD | $196 | $352 | $226 | $14 | $68 | $856 | $71 |
| City Express Cargo 1500 AWD | $196 | $352 | $226 | $14 | $68 | $856 | $71 |
| City Express 1500 LS 2WD | $196 | $352 | $226 | $14 | $68 | $856 | $71 |
| City Express 1500 LS AWD | $196 | $416 | $226 | $14 | $68 | $920 | $77 |
| City Express 1500 AWD | $196 | $416 | $226 | $14 | $68 | $920 | $77 |
| City Express 1500 LT 2WD | $196 | $416 | $226 | $14 | $68 | $920 | $77 |
| City Express Cargo 1500 Turbo Diesel 2WD | $196 | $416 | $226 | $14 | $68 | $920 | $77 |
| City Express Cargo 2500 Turbo Diesel 2WD | $220 | $416 | $226 | $14 | $68 | $944 | $79 |
| City Express 3500 LT 2WD | $220 | $416 | $226 | $14 | $68 | $944 | $79 |
| City Express 3500 LS 2WD | $220 | $416 | $226 | $14 | $68 | $944 | $79 |
| City Express 3500 2WD | $220 | $416 | $226 | $14 | $68 | $944 | $79 |
| City Express 1500 LT AWD | $220 | $416 | $226 | $14 | $68 | $944 | $79 |
| City Express Cargo 3500 Turbo Diesel 2WD | $220 | $416 | $226 | $14 | $68 | $944 | $79 |
| City Express Cargo 1500 Turbo Diesel AWD | $220 | $416 | $226 | $14 | $68 | $944 | $79 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in specific Cincinnati garaging location which can affect premium rates substantially.
Chevrolet City Express full coverage rates compared to liability only
The chart below visualizes the comparison of Chevy City Express insurance rates with full physical damage coverage compared to only buying liability only. The data assumes no claims or violations, $1,000 deductibles, single status, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule of when to phase out comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your Chevy City Express book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If premium cost is more than $200 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some conditions where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Independent versus exclusive auto insurance agents
Some people just want to talk to an insurance agent and there is nothing wrong with that. Professional agents can help you build your policy and help you file claims. A nice benefit of comparing insurance online is that drivers can save money and get the best rates but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is immediately sent to insurance agents in Cincinnati who can give free rate quotes for your business. You never need to contact any insurance agencies as quotes are delivered to your email. If you want to compare rates from a specific insurance provider, don’t hesitate to search and find their rate quote page and submit a quote form there.
Finding a good company requires more thought than just the premium amount. Ask your prospective agent these questions:
- Is auto insurance their primary focus in Cincinnati?
- Do they offer claims assistance after hours?
- Does the agency have a positive business rating?
- Will the company cover a rental car if your car is getting fixed?
- If your car is totaled, how to they determine the replacement cost?
- Are they properly licensed to sell insurance in Ohio?
If you’re trying to find a good insurance agency, it’s important to understand the different agency structures and how they can write your policy. Insurance agencies in Cincinnati can be categorized as either independent agents or exclusive agents depending on their employer. Both types can sell insurance policies, but we need to point out how they are different because it can influence buying decisions.
Exclusive Insurance Agents
These type of agents can only provide pricing for a single company such as Allstate and State Farm. They usually cannot give you multiple price quotes so they really need to provide good service. Exclusive agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
Below is a list of exclusive agencies in Cincinnati willing to provide rate quotes.
Kristen Jackson – State Farm Insurance Agent
8952 Winton Rd – Cincinnati, OH 45231 – (513) 681-6400 – View Map
State Farm: Randy Wagner
1167 8 Mile Rd – Cincinnati, OH 45255 – (513) 474-4100 – View Map
Bob Donnelly – State Farm Insurance Agent
2063 Beechmont Ave – Cincinnati, OH 45230 – (513) 231-4975 – View Map
Independent Insurance Agencies
Independent agencies can quote rates with many companies so they have the ability to put coverage through many different insurance companies and get the cheapest rates. If your agent finds better pricing, your policy is moved internally and you stay with the same agent.
When searching for an agent, it’s recommended you get several quotes from several independent agencies in order to compare the most rates.
The following are Cincinnati independent agents who can help you get price quote information.
Landmark Insurance Agency
4355 Ferguson Dr #155 – Cincinnati, OH 45245 – (513) 947-8500 – View Map
Duffy Insurance Agency
7611 Cheviot Rd – Cincinnati, OH 45247 – (513) 861-5500 – View Map
Ohio Insurance Center
7404 Hamilton Ave – Cincinnati, OH 45231 – (513) 522-6300 – View Map