2014 Chevrolet Express Cargo Insurance Rates – 7 Ideas for Cheaper Quotes

Searching for cheaper insurance for a new or used Chevy Express Cargo can turn out to be a painful process, but you can use a few tricks to save time.

There is a better way to find auto insurance online so we’re going to tell you the quickest way to quote coverages for a new or used Chevy and locate the best price possible from local insurance agents and online providers.

Consumers need to price shop coverage quite often since rates are usually higher with each renewal. Despite the fact that you may have had the best rate for Express Cargo insurance two years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to find out one of the quickest ways to find the best coverage while lowering your premiums.

If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to cut your premiums and possibly find even better coverage. Pricing affordable auto insurance coverage is not that difficult. Consumers just need to learn the most effective way to compare company rates online.

Are you getting every discount?

Insurance coverage is easily one of your largest bills, but you may find discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you quote, but a few need to be specially asked for before they will apply.

  • 55 and Retired – If you qualify as a senior citizen, you can get reduced rates for Express Cargo insurance.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings as much as 30%.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like State Farm and Progressive allow you one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
  • Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a auto insurance quote.
  • Drive Safe and Save – Safe drivers could pay up to 40% less for Express Cargo insurance than their less cautious counterparts.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Discounts for New Vehicles – Adding a new car to your policy may earn a small discount because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

To see a list of insurance coverage companies with discount insurance coverage rates, click here to view.

The quickest method to compare car insurance company rates utilizes the fact most of the larger companies actually pay money for the chance to compare their rates. To get started, all you need to do is provide a small amount of information like if a SR-22 is needed, an estimate of your credit level, if you’re married, and whether the vehicles are used for commuting. The rating information is automatically sent to many different companies and you get price estimates instantly to find the best rate.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For example, these questions might point out whether your personal situation may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • What happens if I owe more than my 2014 Chevy Express Cargo is worth?
  • Am I covered if my car is in a flood?
  • Am I covered if hit by an uninsured driver?
  • How many claims can I have before being cancelled?
  • Who is covered by my policy?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage considerations

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like surgery, doctor visits, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, a broken windshield, hitting a deer, theft and hail damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Express Cargo.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Collision insurance

Collision insurance pays for damage to your Express Cargo resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

More comparisons equals lower rates

Budget-conscious 2014 Chevy Express Cargo insurance can be sourced from both online companies and with local insurance agents, so you need to quote auto insurance with both in order to have the best chance of saving money. There are still a few companies who may not offer online rate quotes and usually these regional carriers work with independent agencies.

When shopping online for auto insurance, you should never reduce needed coverages to save money. There are too many instances where an accident victim reduced physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

In this article, we presented a lot of techniques to get a better price on 2014 Chevy Express Cargo insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting inexpensive auto insurance. Drivers may discover the best car insurance rates are with some of the lesser-known companies.

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