Compare 2003 Chevrolet Express Cargo Car Insurance Quotes

Trying to find better car insurance rates for your Chevrolet Express Cargo? Finding affordable car insurance might seem impossible for consumers who are new to shopping for insurance on the web. With dozens of online companies available, how can drivers effectively compare them all to find the cheapest price possible?

How insurance providers determine Chevy Express Cargo insurance prices

Part of the insurance coverage buying process is learning a few of the rating criteria that play a part in calculating the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find cheaper rates. Multiple criteria are used when pricing auto insurance. Some factors are common sense such as traffic violations, although others are less apparent such as your marital status or your financial responsibility.

  • Decrease rates by maintaining coverage – Not having insurance can get you a ticket and any future policy may cost more because you let your insurance coverage expire. Not only will you pay more, failure to provide proof of insurance may earn you a license revocation or jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Long commutes cost more – Driving a lot of miles each year the higher your rates will be. A lot of insurance companies charge rates determined by how the vehicle is used. Cars that are left in the garage can get a lower rate than those that get driven frequently. Improper usage on your Express Cargo can cost quite a bit. It’s always a good idea to double check that your insurance coverage policy properly reflects the correct usage.
  • Gender and car insurance costs – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Females and males are responsible for at-fault accidents at about the same rate, but guys get into accidents with more damage. They also get more serious tickets like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident so they pay the highest premiums.
  • What are good liability protection limits? – A critical coverage on your policy, liability insurance will protect you in the event that you are determined to be liable for damages from an accident. Your liability coverage provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Incidental coverages are wasting money – Insurance companies have many additional extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for coverage for rental cars, towing coverage, and additional equipment coverage may be costing you every month. These may sound like a good investment when discussing your needs, but if they’re wasting money remove them from your policy.

Compare car insurance quotes online

There are a variety of methods to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You could waste time talking about coverages with local insurance agents in your area, or you could use online quotes to maximize your effort.

Many of the larger companies belong to an insurance system that allows shoppers to submit their information once, and each participating company returns a rated price for coverage. This eliminates the need for quote forms to every company. To enter your information into the quoting system, click to open in new window.

One minor caviat to pricing coverage this way is you can’t choose which insurance companies to receive prices from. So if you want to select from a list of companies to request quotes from, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to use the exact same quote information on every quote. If the quotes have unequal deductibles or liability limits you will not be able to decipher which rate is best. Just a small difference in limits could mean much higher rates. And when quoting car insurance, remember that getting more free quotes helps increase your odds of locating a lower rate. Some regional insurers cannot provide quotes online, so it’s recommended that you also compare prices on coverage from those companies, too.

Double check you’re getting these premium-slashing discounts

Companies offering auto insurance don’t always publicize the complete list of policy discounts in an easy-to-find place, so here is a list some of the more common and the more hidden insurance savings.

  • Sign Early and Save – A few companies allow discounts for buying a policy before your current policy expires. You can save around 10% with this discount.
  • Bundle and Save – When you have multiple policies with the same company you could earn a discount of approximately 10% to 15%.
  • Discount for Low Mileage – Driving fewer miles could earn better rates on cars that stay parked.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.
  • Multiple Vehicles – Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
  • One Accident Forgiven – Not a discount per se, but companies like Allstate and Progressive will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
  • New Car Discount – Insuring a vehicle that is new is cheaper due to better safety requirements for newer models.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, nobody gets a free ride. But all discounts should definitely cut the amount you pay for coverage.

If you would like to see a list of providers who offer discounts, follow this link.

Do I need special coverages?

When choosing proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • Will filing a claim cost me more?
  • Does my policy cover me when driving someone else’s vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Which companies will insure high-risk drivers?
  • Am I better off with higher deductibles on my 2003 Chevy Express Cargo?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverages and their meanings

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

This coverage covers damage to your Express Cargo from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, driving through your garage door, rolling your car, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses such as ambulance fees, chiropractic care and doctor visits. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, legal defense fees, medical services and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy Express Cargo.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Stretch your dollar

Drivers who switch companies do it for many reasons like unfair underwriting practices, being labeled a high risk driver, extreme rates for teen drivers and even delays in paying claims. Regardless of your reason for switching companies, finding a new auto insurance company is not as hard as you think.

Some companies may not have the ability to get quotes online and most of the time these regional carriers prefer to sell through independent insurance agents. Budget-conscious 2003 Chevy Express Cargo insurance can be found on the web in addition to many insurance agents, and you need to price shop both to have the best selection.

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There are many occasions where consumers will sacrifice liability coverage limits only to find out they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

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