Cheap 2003 Chevrolet Express Cargo Insurance Quotes

Paying for high-priced Chevrolet Express Cargo insurance can empty your savings account and make it hard to pay other bills. Comparison shopping is a great way to reduce premiums and put more money in your pocket. There is such a variety of insurance companies to pick from, and although it’s a good thing to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

Consumers need to check auto insurance prices occasionally since insurance rates change regularly. Even if you think you had the best rates on Express Cargo coverage a couple years back a different company probably has better rates today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

Why your Chevy Express Cargo insurance rates may be high

An important part of buying insurance is that you know the rating factors that go into determining car insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are a partial list of the pieces companies use to determine prices.

  • Safer occupants lowers premiums – Cars with high safety ratings get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Chevy Express Cargo earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Pay less if you’re married – Getting married can actually save you money on car insurance. It is viewed as being more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Credit scores impact car insurance rates – Credit score is a important factor in calculating your car insurance rates. So if your credit history is lower than you’d like, you could be paying less to insure your 2003 Chevrolet Express Cargo by repairing your credit. People with high credit scores tend to be more responsible than those with poor credit.
  • Lower miles equals lower premium – The higher the mileage driven each year the higher your rates will be. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Express Cargo can cost quite a bit. Ask your agent if your car insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Increase deductibles and save – Physical damage coverage, also known as collision and other-than-collision, protects your Chevy from damage. Examples of covered claims are a windshield shattered by a rock, damage from fire, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more expense you’re willing to pay, the lower your rates will be on Express Cargo coverage.
  • Never allow your policy to lapse – Letting your insurance expire will be a fast way to increase your car insurance rates. And not only will your rates increase, but not being able to provide proof of insurance might get you a license revocation or jail time.

Save on Chevy Express Cargo insurance

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but some must be asked for before you get the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Claim Free – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Resident Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Paperless Signup – A few companies give back up to $50 just for signing your application over the internet.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last until age 25.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you could get a free insurance coverage policy, it just doesn’t work that way. But any discount will bring down the cost of coverage.

Companies that may have some of the above discounts include:

Double check with each insurance company what discounts are available to you. Discounts might not apply in your area.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining if your situation may require specific advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is UM/UIM insurance?
  • Does insurance cover tools stolen from my truck?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are rock chip repairs covered?
  • Am I better off with higher deductibles on my 2003 Chevy Express Cargo?
  • Should I have a commercial auto policy?
  • Am I covered when delivering products for my home-based business?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Parts of your auto insurance policy

Knowing the specifics of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Collision coverage

This pays for damage to your Express Cargo resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for liability

This coverage will cover damage or injury you incur to people or other property. 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 might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2003 Chevy Express Cargo.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses like doctor visits, pain medications, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, rock chips in glass, damage from flooding and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Shop smart and save

As you restructure your insurance plan, do not reduce needed coverages to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We’ve covered some good ideas how you can shop for 2003 Chevy Express Cargo insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest priced insurance coverage comes from some of the lesser-known companies. These companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

Affordable insurance is definitely available on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer online price quotes and these small, regional companies work with independent agents.

Much more information about insurance coverage is located at the links below