Compare 2008 Chevrolet Express Cargo Car Insurance Rates

I can’t think of anyone who enjoys paying for insurance coverage, especially when the price is too high. There is such a variety of insurers to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more challenging to find the best rates.

Finding the best rates is easy if you know what you’re doing. If you have a current insurance coverage policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Vehicle owners only need to know the tricks to compare price quotes online.

Free Quotes for Car Insurance

Lowering your 2008 Chevy Express Cargo car insurance rates is not a difficult process. You just need to invest a little time comparing rate quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

The most efficient way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quote forms for every car insurance company. One simple form gets rate comparisons from many national carriers.

Another way to analyze rates requires visiting each individual company website to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from Farmers, 21st Century and GMAC. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The least efficient way of comparing rate quotes is to drive around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional advice of a local agent. It is possible to compare the best prices online but buy from a local insurance agent and we’ll touch on that later.

It’s up to you which method you use, but ensure you’re using exactly the same coverage information with every price quote. If your comparisons have different limits and deductibles on each one you can’t possibly make an equal comparison.

How to reduce Chevy Express Cargo insurance rates

Companies don’t list all their discounts in a way that’s easy to find, so we break down some of the more common and the more hidden ways to save on insurance. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Homeowners Discount – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • No Claims – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • No Charge for an Accident – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.

Drivers should understand that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that possibly offer some of the above discounts may include but are not limited to:

Check with every prospective company what discounts are available to you. All car insurance discounts may not be available everywhere.

Chevy Express Cargo rates are complex

Smart consumers have a good feel for the factors that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in big savings.

  • Battle of the sexes – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both are in accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Do you have a high stress job? – Occupations such as lawyers, executives and accountants have higher rates than average attributed to high stress and long work hours. On the flip side, occupations such as pilots, athletes and the unemployed get better rates for Express Cargo insurance.
  • Marriage brings a discount – Having a spouse can get you a discount when buying auto insurance. Having a spouse means you’re more responsible it has been statistically shown that married couples file fewer claims.
  • A clean driving record saves money – Whether or not you get tickets has a big impact on rates. Only having one ticket can boost insurance rates forty percent or more. Careful drivers have lower premiums than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Clean credit earns discounts – Your credit score is a huge factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible as compared to drivers with poor credit. Therefore, if your credit rating is low, you could potentially save money when insuring your 2008 Chevrolet Express Cargo by spending a little time repairing your credit.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection if ever you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out if your situation could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need an umbrella policy?
  • Can my babysitter drive my car?
  • What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions, you might consider 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’s fast, free and can help protect your family.

Beware of misleading insurance ads

Consumers get pounded daily by advertisements for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing that you’ll save big after switching your coverage to them.

How does each company make the same claim?

Different companies are able to cherry pick for the type of driver they prefer to insure. For example, a preferred risk could possibly be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A customer who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Drivers who don’t measure up to the requirements must pay more money and this can result in business not being written. The ad wording is “customers that switch” not “everyone that quotes” save money. That’s the way companies can truthfully advertise the savings. This illustrates why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which company will give you the biggest savings on Chevy Express Cargo insurance.

Information about specific coverages

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision coverage covers damage to your Express Cargo caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, rolling your car, colliding with a tree, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability coverages – This will cover damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like pain and suffering, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

A penny saved is a penny earned

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where drivers have reduced collision coverage only to regret that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Budget-conscious 2008 Chevy Express Cargo insurance can be purchased both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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