How Much Does 2008 Chevrolet Express Cargo Insurance Cost?

Locating the cheapest insurance for a new or used Chevy Express Cargo can normally be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to find car insurance online so you’re going to learn the quickest way to price shop coverage on a Chevy and locate the lowest price from both online companies and local agents.

The cheapest auto insurance rate quotes

All the larger auto insurance companies such as Allstate and Progressive allow consumers to get price estimates on the web. Doing online quotes is pretty painless because you just enter the amount of coverage you want into the quote form. After the form is submitted, their quoting system obtains reports for credit and driving violations and returns a price.

Online quotes helps simplify price comparisons, but the time required to go to different websites and fill out multiple forms can be a bit repetitive. But it’s also necessary to have as many quotes as possible if you want to get the lowest auto insurance rates.

There is a better way!

A better way to find cheaper rates uses just one form that analyzes rates from several different companies. This type of form saves time, reduces the work, and makes price shopping online much easier. After sending the form, your coverage is rated with multiple companies and you can pick your choice of the quotes returned.

If the quotes result in lower rates, you can click and sign and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

To quickly find out what other companies charge, click here to open in new window and complete the simple form. To compare your current rates, we recommend that you enter your coverages exactly as shown on your declarations page. This way, you are getting an apples-to-apples comparison based on identical coverages.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • Is my trailer covered?
  • What is no-fault insurance?
  • Is a blown tire covered by insurance?
  • Am I covered if I break a side mirror?
  • How much liability coverage do I need in my state?
  • Am I covered when driving on a suspended license?
  • What is roadside assistance coverage?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses such as prosthetic devices, surgery, rehabilitation expenses and hospital visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism and damage from flooding. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This will pay to fix damage to your Express Cargo resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, scraping a guard rail, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability auto insurance – Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, attorney fees, medical expenses, medical services and pain and suffering. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Express Cargo.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.