Compare 2016 Chevrolet Express Cargo Car Insurance Rates

Searching for cheaper auto insurance rates for your Chevrolet Express Cargo? If you’ve never shopped for auto insurance quotes online, there’s a good chance you are confused by the vast number of auto insurance companies offering coverage.

Choosing the best insurance company for you is quite easy. Essentially every driver who is required by state law to have auto insurance will most likely be able to find lower rates. Nevertheless, consumers do need to know how the larger insurance companies price online insurance because it can help you find the best coverage.

Quote insurance online

Shopping for lower insurance rates can be exhausting if you don’t understand the easiest way. You could waste a few hours talking to agents in your area, or you can stay home and use online quoting to achieve your goal.

Most car insurance companies belong to a marketplace where insurance shoppers only type in their quote data once, and every company can provide price quotes based on that data. This saves time by eliminating quotation requests to each individual insurance company.

To access this free quoting program, click here to start a free quote.

The one downside to doing it this way is that you can’t choose which insurance companies to get quotes from. If you prefer to choose specific providers to request quotes from, we have a listing of low cost insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, be sure you’re using apples-to-apples coverage limits and deductibles for each comparison quote. If you enter different values for each quote then you won’t be able to determine the lowest rate for your Chevy Express Cargo. Having just a slight variation in insurance coverages or limits may cause a big price difference. Just remember that getting more free quotes helps increase your odds of locating more affordable rates.

Cheaper rates by getting discounts

Companies don’t list the complete list of policy discounts very clearly, so the next list breaks down both well-publicized as well as some of the hidden discounts you could be receiving when you buy auto insurance online.

  • Responsible Driver Discount – Drivers without accidents may save up to 50% more on Express Cargo insurance compared to accident prone drivers.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a auto insurance quote on Express Cargo insurance.
  • Discount for Swiching Early – Some larger companies reward drivers for signing up early. Ten percent is about the average savings.
  • Discount for Life Insurance – Select car insurance companies reward you with a discount if you purchase life insurance from them.
  • Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
  • Paperless Signup – A few larger companies will provide an incentive get auto insurance on the web.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any amount of discount will help reduce your policy cost.

The best car insurance companies and a summarized list of policyholder discounts are shown below.

  • Geico may include discounts for good student, air bags, anti-theft, seat belt use, military active duty, and anti-lock brakes.
  • USAA includes discounts for annual mileage, driver training, military installation, good student, defensive driver, and family discount.
  • Progressive offers discounts including continuous coverage, homeowner, online quote discount, multi-vehicle, and good student.
  • American Family may offer discounts for multi-vehicle, early bird, accident-free, bundled insurance, Steer into Savings, good driver, and defensive driver.
  • Esurance offers premium reductions for homeowner, Pac-12 alumni, safety device, DriveSense, anti-lock brakes, and online shopper.
  • Farmers Insurance discounts include alternative fuel, teen driver, electronic funds transfer, early shopping, switch companies, youthful driver, and good student.
  • State Farm has discounts for defensive driving training, multiple policy, Drive Safe & Save, good student, student away at school, good driver, and safe vehicle.

Before purchasing a policy, check with each company or agent what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in every state. If you would like to choose from a list of insurance companies with discount rates, click this link.

Your insurance coverage should be tailored to you

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Is my dog or cat covered if injured in an accident?
  • Will I lose any money if I cancel my policy before it expires?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I crash into my own garage door?
  • At what point should I drop full coverage?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Chevy Express Cargo insurance costs can be more affordable

Lots of factors are considered when premium rates are determined. Some are pretty understandable like your driving record, but others are less apparent like your vehicle usage and annual miles driven.

The itemized list below are some of the factors used by insurance companies to determine your rates.

  • Vehicle theft costs us all – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.
  • Lower rates for cars with good safety ratings – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce occupant injuries and fewer injuries means your insurance company pays less and lower rates for you. If the Chevy Express Cargo scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Pleasure use or commuting – The more you drive your Chevy annually the more it will cost to insure it. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that sit idle most of the time cost less to insure than those that get driven frequently. An improperly rated Express Cargo is throwing money out the window. It’s always a good idea to double check that your insurance declarations sheet shows the correct usage, because improper ratings can cost you money.
  • Does insurance coverage cost less for women? – Statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Females and males tend to get into at-fault accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men have more aggressive citations such as reckless driving.

Do drivers who switch really save?

Progressive, Allstate and Geico continually stream television and radio advertisements. All the companies convey the message about savings just by moving your car insurance coverage to their company. How can each company offer you a better deal? Here is the trick they use.

Insurance providers have underwriting criteria for the type of driver they prefer to insure. An example of a profitable risk profile should be a mature driver, has no tickets, and insures a new vehicle. A customer getting a price quote that matches those criteria gets the lowest premium rates and is almost guaranteed to cut their rates substantially.

Potential customers who may not quite match these standards will probably have to pay higher prices which leads to the customer buying from a different company. The ads say “drivers who switch” not “all people who quote” save that much when switching. This is how companies can truthfully make it sound like they have such great auto insurance rates. That is why you really need to get auto insurance quotes as often as possible. It is just not possible to predict which insurance companies will have the lowest rate quotes.

Coverages available on your policy

Learning about specific coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

This coverage will pay to fix damage to your Express Cargo caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, a broken windshield, a tree branch falling on your vehicle and falling objects. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like nursing services, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage can cover damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Chevy Express Cargo.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

In conclusion

People change insurance companies for any number of reasons including high prices, policy cancellation, extreme rates for teen drivers and even delays in paying claims. Regardless of your reason for switching companies, switching auto insurance companies is not as difficult as it may seem.

We covered many ways to save on 2016 Chevy Express Cargo insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from an unexpected company.

When buying insurance coverage, never buy poor coverage just to save money. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. Your objective should be to get the best coverage possible at the best cost, but do not skimp to save money.

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