Searching for the cheapest insurance coverage rates for your Chevrolet Express Cargo? Tired of sacrificing other expenses to buy insurance coverage? You are in the same boat as many other consumers. Multiple auto insurance companies compete to insure your vehicles, so it’s not easy to compare every insurer to find the cheapest price
It’s smart to shop coverage around occasionally because prices are variable and change quite frequently. Just because you had the best deal on Express Cargo insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because we’re going to show you one of the quickest ways to remove unneeded coverages and save money.
Companies that sell car insurance do not advertise every available discount very well, so the list below details some of the more common as well as the least known credits that may apply to you.
It’s important to understand that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you could get a free car insurance policy, it’s just not the way it works.
A few companies that may offer policyholders some of the discounts shown above possibly include:
Before purchasing a policy, check with each company which discounts can lower your rates. Some credits might not be offered in your area. For a list of insurers with discount rates, click this link.
When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.
UM/UIM Coverage
This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Auto liability insurance
This protects you from damages or injuries you inflict on a person or their property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for things such as court costs, funeral expenses, structural damage and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.
Collision insurance
Collision insurance covers damage to your Express Cargo caused by collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims like crashing into a building, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as damage from getting keyed, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for rehabilitation expenses, EMT expenses, dental work, doctor visits and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
When searching for affordable insurance coverage quotes, don’t be tempted to reduce needed coverages to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
We covered a lot of tips how to compare 2000 Chevy Express Cargo insurance rates online. The key thing to remember is the more quotes you get, the higher your chance of finding the cheapest insurance coverage. You may even find the biggest savings come from an unexpected company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.
Additional car insurance information can be found at the links below