1999 Chevrolet Express Cargo Car Insurance Rates

Looking for the cheapest insurance coverage rates for your Chevrolet Express Cargo? Are you tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners.

Companies like Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with ad campaigns and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s smart to do rate comparisons at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the lowest price for Express Cargo insurance two years ago there may be better deals available now. There is too much inaccurate information about insurance coverage online but we’re going to give you some guaranteed methods to find cheap insurance coverage.

Automobile Insurance Quotes

The are a couple different ways of comparing price quotes from different insurance companies. The easiest way by far to compare 1999 Chevy Express Cargo insurance prices is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

The recommended way to get quotes for comparison is a comparison rater form click to view form in new window. This type of form eliminates the need for repetitive form submissions to each individual insurance company. Taking the time to complete one form will get you rate comparisons from all major companies.

A slightly less efficient method to obtain and compare quotes online consists of visiting each individual company website and request a quote. For instance, let’s assume you want comparison quotes from USAA, Geico and State Farm. To get each rate you have to visit each site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

However you get your quotes, compare identical quote information with each company. If you have higher or lower deductibles it’s not possible to truly determine the lowest rate. Quoting even small variations in limits can result in a big premium difference. Just remember that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Your coverage should be tailored to you

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if you might need an agent’s assistance.

  • Can my babysitter drive my car?
  • What exactly is covered by my policy?
  • Do I need more liability coverage?
  • Is there coverage for injuries to my pets?
  • Will filing a claim cost me more?
  • Is my Chevy Express Cargo covered if I use it for business?
  • Am I covered when driving on a suspended license?
  • Do I need PIP coverage since I have good health insurance?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverages for a 1999 Chevy Express Cargo

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Liability coverage – Liability insurance provides protection from damage that occurs to other people or property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, repair costs for stationary objects, funeral expenses, medical services and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Express Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills such as chiropractic care, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to 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

Collision coverages – This coverage covers damage to your Express Cargo resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, hitting a mailbox, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, hitting a bird and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.