Lower Your 2013 Chevrolet Express Cargo Car Insurance Rates

Locating more affordable insurance may at first seem to be somewhat intimidating for beginners to comparing rates and buying insurance online. With literally dozens of companies in the marketplace, how are people able to even start to compare every one to find cheaper insurance rates?

Do you qualify for discount insurance?

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can help lower your rates. Some trigger automatically when you get a quote, but some need to be requested specifically before you get the savings.

  • Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage on Express Cargo coverage depending on your insurance provider.
  • Drive Less and Save – Driving less could earn discounted premium rates on garaged vehicles.
  • Drive Safe and Save – Safe drivers can save up to 40% or more on their insurance coverage quote on Express Cargo coverage than less cautious drivers.
  • Waiver for an Accident – but a few companies such as Progressive, State Farm and Geico will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle can get you a discount due to better safety requirements for new vehicles.
  • No Claim Discounts – Drivers with accident-free driving histories can earn big discounts as opposed to accident-prone drivers.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

Car insurance companies who may offer these benefits include:

When quoting, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your area. To view providers with discount rates, click here.

Informed consumers save money

An important part of buying insurance is that you know some of the factors that come into play when calculating your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that can earn you better insurance rates. Many factors are considered when you get your auto insurance bill. Some factors are common sense like an MVR report, but others are less apparent like where you live or how safe your car is.

  • Urban residents pay more – Living in smaller towns and rural areas of the country can save you money when shopping for auto insurance. People who live in big cities have more road rage incidents and more time behind the wheel. Fewer people translates into fewer accidents and lower theft and vandalism rates.
  • Don’t cut corners with liability coverage – Your policy’s liability coverage will protect you if you are responsible for damages caused by your negligence. It will provide for a legal defense to defend your case. This coverage is very inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Women pay lower costs – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Men and women get in fender benders at a similar rate, but males get into accidents with more damage. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are several times more likely to be in an accident and therefore pay the highest rates.
  • Where do you drive? – The more you drive annually the higher your rate. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use can be on a lower rate level as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance policy properly reflects the correct driver usage. An incorrectly rated Express Cargo may be costing you.
  • Traffic violations mean higher prices – Even a single chargable violation can bump up the cost by as much as thirty percent. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Drivers who have gotten flagrant citations such as reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive.
  • Being married reduces risk – Getting married may save some money on your insurance bill. Having a significant other translates into being more mature than a single person and insurance companies like that being married results in fewer claims.
  • Youthful drivers cost more – Young drivers are proven to be less responsible behind the wheel so they pay higher insurance rates. Older insureds have been proven to be more responsible, are lower risk to insure and are safer drivers.
  • Deter vehicle theft – Purchasing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your car from being stolen.

What insurance coverages do I need?

When buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions may help you determine whether you might need an agent’s assistance.

  • How can I get my company to pay me more for my totalled car?
  • Does coverage extend to Mexico or Canada?
  • Do I have coverage when using my vehicle for my home business?
  • Are split liability limits better than a combined single limit?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is no-fault insurance?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Can you really save $436 a year?

Popular auto insurance providers such as Geico, State Farm and Progressive regularly use television, radio, and online ads. They all advertise claims that people will save just by switching your auto insurance coverage to their company. Is it even possible that every company can sell you cheaper insurance coverage? Here is how they do it.

Many companies have specific characteristics for the type of driver they prefer to insure. For example, this type of driver might be described as a married male, has never had a policy lapse, and drives less than 5,000 miles a year. Any new insured that meets those criteria will get low rates and will also save money with a new company.

Insureds who cannot meet this stringent profile will probably be forced to pay more expensive rates and this can result in business not being written. The wording the ads use say “people who switch” not “everyone that quotes” save the amount stated. That’s the way companies can state the savings.

This really emphasizes why you absolutely need to get insurance coverage quotes as often as possible. It’s not possible to predict which auto insurance company will have the lowest rates for your situation.

Car insurance coverage information

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Express Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance pays for damage to your Express Cargo from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses like doctor visits, EMT expenses, prosthetic devices and X-ray expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, funeral expenses, structural damage and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, rock chips in glass, a broken windshield, falling objects and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Some companies may not have the ability to get a quote online regional insurance providers only sell through independent agents. Low-cost 2013 Chevy Express Cargo insurance is possible from both online companies in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture.

You just learned many ways to compare 2013 Chevy Express Cargo insurance car insurance rates online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best car insurance rates are with a small mutual company.

Consumers switch companies for a number of reasons such as not issuing a premium refund, questionable increases in premium, policy cancellation and even lack of trust in their agent. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.

Even more information is available in the articles below: