1999 Chevrolet Express Cargo Insurance Cost

Trying to find cheaper auto insurance rates for your Chevrolet Express Cargo? I can’t think of anyone who looks forward to paying for auto insurance, in particular when they are paying too much.

Numerous car insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies and uncover the absolute best rate

If you have car insurance now, you will be able to save some money using these techniques. Finding the best rates is not rocket science. But car owners can benefit from knowing how the larger insurance companies determine prices.

The fastest way that we advise to get policy rate comparisons is to understand most insurance companies will pay a fee to compare their rates. To begin a comparison, all you need to do is provide a little information including your general credit rating, how much education you have, whether you drive to work or school, and if your license is active. Your insurance information gets sent immediately to multiple companies and you receive quotes almost instantly.

Slick advertising tricks that work

Big name companies like State Farm, Allstate and Geico constantly bombard you with ads in print and on television. All the ads make the same claim about savings if you get a free car insurance quote and switch your coverage to them. But how can every company give you a better price? This is the way they can do it.

All companies are able to cherry pick for the type of driver that earns them the highest profit. An example of this type of insured could possibly be between 30 and 50, insures multiple vehicles, and drives newer vehicles. Someone that meets those criteria may get the lowest rates and is almost guaranteed to cut their rates if they switch.

Consumers who cannot meet these stringent criteria must pay higher prices and this results in the driver buying from a lower-cost company. If you listen closely, the ads state “people who switch” not “everyone who quotes” can save as much as they claim. This is how companies can make those statements. Because every company is different, you should compare free car insurance quotes often. It’s just not possible to know which company will have the best prices.

Seven things that affect your insurance rates

It’s important that you understand a few of the rating criteria that play a part in calculating the rates you pay for car insurance. If you know what influences your rates, this empowers consumers to make smart changes that will entitle you to lower rates. Many different elements are used in the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, although others are not quite as obvious like where you live or your vehicle rating.

  • Know your vehicle’s IIHS safety rating – Vehicles that have high safety ratings cost less to insure. Highly rated vehicles reduce the chance of injuries and better occupant protection means your insurance company pays less and lower rates for you.
  • Gender and insurance costs – Statistics have proven women tend to be less risk to insure than men. It does not mean males are worse at driving than females. Males and females are responsible for fender benders at a similar rate, but the men have costlier accidents. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Car plus home equals more savings – Most insurers allow a discount to buyers who carry more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to shop around to guarantee you are still saving the most.There is a good possibility that you can find a better deal by insuring with multiple companies.
  • Age of drivers impacts prices – More mature drivers have been proven to be more responsible, are lower risk to insure and are safer drivers.Inexperience drivers are proven to be inattentive and easily distracted when behind the wheel so car insurance rates are higher.
  • High deductibles equal low rates – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Examples of covered claims could be a broken side mirror, damage from fire, and having your car stolen. Comprehensive and collision coverage deductibles define how much you are required to pay in the event of a claim. The more of the claim you have to pay, the lower your rates will be for Express Cargo insurance.
  • Being married can lower costs – Walking down the aisle may save some money on your car insurance bill. Having a spouse generally demonstrates drivers are more mature and responsible and insurance companies like that drivers who are married file infrequent claims.
  • Maintain car insurance coverage – Driving with no insurance is against the law and companies may charge more for letting your insurance lapse. In addition to paying higher rates, getting caught without coverage could earn you fines and jail time. You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.

Get affordable rates by taking advantage of discounts

Car insurance can cost a lot, but you might find some hidden discounts to help bring down the price. Some of these disounts will be visible when you get a quote, but occassionally some discounts must be asked for before they will apply.

  • Multi-car Discount – Buying coverage for multiple cars on a single policy can reduce the rates for all insured vehicles.
  • Renewal Discounts – Select larger companies give a discount for switching to them prior to the expiration date on your current policy. It can save you around 10%.
  • Discount for New Cars – Buying a new car instead of a used car may earn a small discount because new vehicles are generally safer.
  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will forgive one accident without getting socked with a rate hike so long as you are claim-free for a set time period.
  • Air Bags and Passive Restraints – Factory air bags can get savings of 20 to 30 percent.
  • Multi-policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of up to 20% and get you the cheapest car insurance.

Don’t be shocked that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

A few popular companies and a selection of discounts are detailed below.

  • Geico offers discounts including driver training, air bags, five-year accident-free, defensive driver, and emergency military deployment.
  • Travelers offers discounts for hybrid/electric vehicle, multi-car, multi-policy, home ownership, payment discounts, driver training, and IntelliDrive.
  • Nationwide has discounts for accident-free, easy pay, business or organization, Farm Bureau membership, and defensive driving.
  • Farmers Insurance may offer discounts for pay in full, youthful driver, switch companies, business and professional, teen driver, and good student.
  • Esurance may include discounts for paid-in-full, anti-theft, good student, good driver, online quote, and multi-policy.
  • State Farm may have discounts that include safe vehicle, multiple autos, driver’s education, passive restraint, good student, student away at school, and defensive driving training.
  • Progressive offers premium reductions for good student, online signing, multi-vehicle, online quote discount, and continuous coverage.
  • Mercury Insurance discounts include multi-policy, anti-theft, ease of repair, professional/association, and accident-free.

Before buying, ask all the companies how many discounts you can get. All car insurance discounts might not apply in your state. To choose insurers with the best discounts, click this link.

How much insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Does my insurance cover my expensive audio equipment?
  • When should I remove comp and collision on my 1999 Chevy Express Cargo?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are my friends covered when driving my 1999 Chevy Express Cargo?
  • Are all vehicle passengers covered by medical payments coverage?
  • What discounts do I qualify for?
  • How high should my medical payments coverage be?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Car insurance coverage breakdown

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most car insurance policies.

Auto liability – Liability coverage protects you from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, court costs, funeral expenses, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Express Cargo.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, a broken windshield, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, rolling your car, sideswiping another vehicle, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills for doctor visits, ambulance fees, X-ray expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Keep this in mind

Throughout this article, we presented a lot of techniques to shop for 1999 Chevy Express Cargo insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best premium rates are with the smaller companies. These smaller insurers may only write in your state and offer lower prices as compared to the big name companies such as Allstate, Geico and Progressive.

The cheapest 1999 Chevy Express Cargo insurance is available online as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not offer online quoting and most of the time these small insurance companies provide coverage only through independent agents.

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