2001 Chevrolet Express Cargo Insurance Rates – 9 Ideas for Best Quotes

Overpriced car insurance can eat up your savings account and force you to tighten up your finances. Comparing cost estimates is free and is an excellent way to reduce premiums and put more money in your pocket.

Multiple insurers compete for your business, and because of this it can be hard to compare car insurance companies to find the absolute best rate

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Finding the best rates is quite easy. Although car owners must understand the methods companies use to compete online and use this information to your advantage.

More discounts mean affordable premiums

Insurance can cost an arm and a leg, but you might already qualify for some discounts to reduce the price significantly. Some of these disounts will be visible when you purchase, but less common discounts must be manually applied before you get the savings.

  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
  • Multi-car Discount – Buying coverage for several vehicles with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Low Miles Discount – Low annual miles may allow you to get lower premium rates on the low mileage vehicles.
  • Own a Home – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Military Deployment Discount – Having a deployed family member could mean lower insurance coverage rates.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Express Cargo coverage.
  • Passive Restraints – Cars that have air bags can get savings of 25 to 30%.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.

Just know that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts should help reduce the cost of your policy.

Insurance companies that have these money-saving discounts may include but are not limited to:

Check with all companies you are considering which discounts can lower your rates. Some discounts might not apply in every state. To view providers that offer multiple discounts, follow this link.

How to shop insurance coverage online

To find the best insurance coverage quotes, there are several ways of comparing rate quotes from different insurance companies. The easiest way by far to do a complete rate comparison is to perform an online rate comparison. This can be done using a couple different methods.

  1. If you are pressed for time, the simplest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do multiple quote forms for every insurance coverage company. One form submission gets prices estimates from multiple low-cost companies.
  2. Another way to shop for insurance coverage online requires a trip to the website for every company you want to comare and fill out a new quote form. For instance, let’s say you want to compare Nationwide, Esurance and Liberty Mutual. You would have to spend time going to each site individually to enter your coverage information, and that’s why the first method is more popular.

    For a list of companies in your area, click here.

  3. The least efficient method to get rate quotes is going to and from local insurance agencies. The ability to quote online eliminates the middleman unless you want the trained advice only provided by licensed agents. You can, however, obtain prices from the web but have your policy serviced through an agent.

Whichever way you use, be sure to compare identical quote data for each quote you get. If you enter different limits and deductibles on each one it will be impossible to get a fair rate comparison. Having just a slight variation in coverages could mean much higher rates. Just remember that comparing a large number of companies helps increase your odds of locating more affordable insurance. Some insurance companies are not set up to provide rate quotes online, so it’s necessary to compare price quotes from them, too.

It’s not one size fits all

When buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help highlight whether or not you may require specific advice.

  • Is my camper covered by my car insurance policy?
  • How can I get high-risk coverage after a DUI?
  • When would I need additional glass coverage?
  • Am I covered when driving a rental car?
  • Does having multiple vehicles earn me a discount?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when using my vehicle for business?
  • Will my rates increase for filing one claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Does auto insurance advertising bend the truth?

Allstate and Progressive consistently run ads in print and on television. They all make the point that people will save if you just switch your auto insurance policy to them. It sounds good, but how can they all claim to save you money?

Many companies quote the lowest rates for the type of customer that will add to their bottom line. One example of this type of risk profile could possibly be over age 30, has few claims, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will get a cheap rate quote and will also cut their rates if they switch.

Insureds who cannot meet the “perfect” profile will be charged a higher premium with the end result being the customer not purchasing. The ads say “customers that switch” but not “all drivers who get quotes” save money. That is how companies can truthfully state the savings. This really emphasizes why you need to get a wide range of price quotes. It is impossible to predict the company that will have the best car insurance rates for your profile.

Learn about insurance coverages for a 2001 Chevy Express Cargo

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills such as doctor visits, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision insurance

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

Collision can pay for claims such as driving through your garage door, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Express Cargo.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, falling objects and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to $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 coverage pays for things such as medical expenses, structural damage, legal defense fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Shop. Compare. Save.

You just learned a lot of ways to lower your 2001 Chevy Express Cargo insurance premium rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding inexpensive insurance. Consumers could even find that the lowest premium rates are with a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets than the large multi-state companies such as Geico and State Farm.

When searching for inexpensive insurance quotes, do not buy poor coverage just to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost.

More information is located at the links below