Cheaper 2006 Chevrolet Express Cargo Car Insurance Rates

Finding cheaper insurance for your Chevy Express Cargo can turn out to be a lot of work, but you can use these tips and make it easy.

There is a better way to find car insurance online and we’ll show you the absolute fastest way to quote coverages for a Chevy and find the lowest possible price from local insurance agents and online providers.

If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to get lower rates while maximizing coverage. Pricing the cheapest coverage is simple if you know the tricks. Drivers just need to know the proper way to shop their coverage around over the internet.

Compare quotes for insurance

All the larger insurance companies allow you to get coverage price quotes directly from their websites. Obtaining pricing is pretty easy as you just type in the amount of coverage you want on the page. When complete, the quote system automatically orders credit information and your driving record and generates a price based on these factors.

This makes comparing rates easy, but the process of having to visit a lot of sites and type in the same data can be a bit repetitive. But it’s necessary to have as many quotes as possible if you are searching for the best price possible.

Isn’t there an easier way to compare rates?

A better way to compare rates requires only one form that analyzes rates from more than one company. The form is fast, requires much less work on your part, and makes online shopping much easier to do. After your information is entered, it is quoted and you can choose any of the pricing results.

If you find a better price you can simply submit the application and purchase the new policy. It takes 15 minutes at the most and could lower your rates considerably.

In order to use this form to compare rates, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you input deductibles and limits exactly as they are listed on your policy. This makes sure you will have a rate comparison based on similar coverages.

Take policy discounts and save

Companies offering auto insurance don’t always advertise every policy discount very well, so the list below gives a summary of both the well known and the more hidden discounts that may be available.

  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some companies like State Farm, Progressive and Geico will let one accident slide before your rates go up if your claims history is clear prior to the accident.
  • Discount for Home Ownership – Just being a homeowner may trigger a policy discount on car insurance because it requires personal responsibility.
  • Safety Restraint Discount – Requiring all passengers to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
  • Lower Rates for Military – Having an actively deployed family member could trigger a small discount.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and therefore earn up to a 10% discount.

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

For a list of insurance companies that offer the discounts shown above, follow this link.

Chevy Express Cargo insurance costs can be reduced

Lots of things are taken into consideration when premium rates are determined. Most are fairly basic such as your driving record, although some other factors are not quite as obvious such as your credit history and annual miles driven.

  • Annual miles impacts rates – Driving more miles in a year’s time the more it will cost to insure it. A lot of companies calculate rates based upon how much you drive. Autos that have low annual miles cost less to insure than vehicles that are driven to work every day. An improperly rated Express Cargo may be wasting your money. Make sure your auto insurance policy states annual mileage, because it can save money.
  • Gender and car insurance – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Both genders tend to get into at-fault accidents in similar percentages, but males get into accidents with more damage. Not only are claims higher, but men get more serious tickets such as reckless driving. Male drivers age 16 to 19 have the highest risk to insure and are penalized with high auto insurance rates.
  • Cut auto insurance rates and deter theft – Buying a car that has an advanced theft prevention system can save you some money. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Age of drivers – Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.Inexperience drivers are known to be easily distracted when driving with friends so auto insurance rates are higher.
  • If you don’t need it don’t buy it – Insurance policies have a lot of extra coverages that may not really be needed if you aren’t diligent. Coverages like personal injury protection, death and dismemberment, and membership fees may be costing you every month. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • A auto insurance policy lapse can increase rates – Allowing your coverage to lapse can be a quick way to increase your renewal premiums. And not only will your rates increase, getting caught without coverage can result in a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Liability coverage – Liability insurance provides coverage when a court rules you are at fault for physical damage or personal injury to other. It provides legal defense coverage which can cost thousands of dollars. It is affordable coverage compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Minor frequent claims are not good – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies award most affordable rates to insureds who are not frequent claim filers. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Which policy gives me the best coverage?

When it comes to buying the best insurance coverage coverage, there really is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Is a fancy paint job covered?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why is insurance for a teen driver so high?
  • Should I put collision coverage on all my vehicles?
  • Are rock chip repairs covered?
  • Is my 2006 Chevy Express Cargo covered for smoke damage?
  • Am I covered when using my vehicle for business?
  • Is my state a no-fault state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverage details

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance will pay to fix damage to your Express Cargo resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Express Cargo.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for hospital visits, funeral costs and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from flooding, falling objects, vandalism and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, loss of income and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

A tidy conclusion

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed full coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Insureds change insurance companies for any number of reasons including delays in paying claims, questionable increases in premium, an unsatisfactory settlement offer or denial of a claim. It doesn’t matter why you want to switch switching car insurance companies is not as hard as you think.

Budget-conscious 2006 Chevy Express Cargo insurance is available both online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not have online rate quotes and usually these small, regional companies sell through independent agents.

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