Lower Your 2000 Chevrolet Express Cargo Car Insurance Quotes

Having to pay for overpriced car insurance can dwindle your savings account and make it impossible to make ends meet. Comparing price quotes is a great way to tighten up your finances. You have multiple car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates and find the lowest cost car insurance.

Choosing the best insurance company for you is quite easy. If you are insured now or are shopping for new coverage, you can follow these tips to reduce the price you pay while maintaining coverages. Drivers just need to understand the proper methods to shop for auto insurance online.

The method we recommend to compare car insurance company rates is to take advantage of the fact most of the larger companies pay for the opportunity to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details including if you have an active license, the type of vehicles you drive, types of safety features, and whether you have decent credit. The data is submitted instantly to multiple different insurance companies and they return cost estimate almost instantly.

Don’t miss these discounts

Auto insurance companies do not advertise all available discounts very clearly, so we break down both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit available, you are paying more than you should be.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Homeowners Discount – Owning a home can help you save on auto insurance because of the fact that having a home requires personal responsibility.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

It’s important to note that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

To see a list of providers who offer auto insurance discounts, click this link.

Factors that might impact rates for a Chevy Express Cargo

Smart consumers have a good feel for some of the elements that go into determining your insurance coverage rates. Knowing what influences your rates helps enable you to make changes that could result in lower insurance coverage prices.

  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men have accidents in similar numbers, but the men have costlier accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Equipment add-ons that lower insurance coverage rates – Owning a car with a theft deterrent system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Protect your assets with liability insurance – The liability section of your policy provides coverage in the event that a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Your location is important – Being located in a small town has it’s advantages when buying insurance coverage. Lower population means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities tend to have congested traffic and longer commute times. Longer commute distances can result in more accidents.
  • Your insurance coverage rates can be influenced by your job – Occupations such as real estate brokers, social workers and dentists have the highest average rates in part from job stress and long work days. Other occupations such as scientists, historians and the unemployed get better rates for Express Cargo coverage.
  • Multiple policies with one company can save – Many insurance companies will award you with lower prices to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Your spouse saves you money – Having a spouse actually saves money on insurance coverage. Having a spouse is viewed as being more mature and it’s proven that drivers who are married are more cautious.

When might I need help?

When buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight if you will benefit from professional help.

  • Am I covered if hit by an uninsured driver?
  • Should I rate my 2000 Chevy Express Cargo as pleasure use or commute?
  • What is medical payments coverage?
  • How many claims can I have before being cancelled?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my 2000 Chevy Express Cargo covered for flood damage?
  • Am I better off with higher deductibles on my 2000 Chevy Express Cargo?
  • What is no-fault insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance specifics

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like rehabilitation expenses, EMT expenses and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express Cargo.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

Collision coverage covers damage to your Express Cargo resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door, crashing into a ditch, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverages

Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like pain and suffering, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, hitting a bird and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

In this article, we covered many ideas to reduce 2000 Chevy Express Cargo insurance prices online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small mutual company. These companies may only write in your state and offer lower rates compared to the large companies like Geico and State Farm.

Lower-priced insurance is possible from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Much more information about insurance coverage is located on the following sites: