2015 Chevrolet Express Cargo Insurance Cost

Looking for better car insurance rates for your Chevrolet Express Cargo? Paying for high-priced Chevrolet Express Cargo insurance can empty your personal savings, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.

Popular companies such as Allstate, Liberty Mutual and State Farm persitently shower you with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

You should take the time to compare rates quite often because prices go up and down regularly. Even if you got the best deal on Express Cargo insurance two years ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Buying car insurance is not that difficult. Although drivers must comprehend how the larger insurance companies price online insurance.

Auto Insurance Comparison Rates

There are a lot of ways to shop for auto insurance, but some are more efficient than others. You can waste a lot of time talking about coverages with insurance companies in your area, or you could save time and use the internet to achieve your goal.

Many of the larger companies participate in a marketplace that allows shoppers to complete one form, and at least one company returns a rated price based on that data. This saves time by eliminating form submissions to each company.

To compare 2015 Chevy Express Cargo rates using this form now click to open in new window.

The one downside to pricing coverage this way is you don’t know exactly which carriers you want pricing from. If you wish to select from a list of companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same deductibles and coverage limits for each price quote. If your comparisons have different deductibles you can’t possibly make an equal comparison. Just a small difference in coverage limits may cause a big price difference. And when comparison shopping, comparing a large number of companies will improve the odds of getting the best offered rates.

Do you qualify for a discount?

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but lesser-known reductions have to be inquired about before being credited.

  • Drive Less and Save – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Multi-policy Discount – If you have multiple policies with one company you may save approximately 10% to 15%.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Paperless Signup – A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Express Cargo insurance than drivers with accidents.
  • Memberships – Being a member of a civic or occupational organization could trigger savings on your policy on Express Cargo insurance.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount on Express Cargo insurance with certain companies.
  • College Student – Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Just because you may think you could get a free insurance policy, companies don’t profit that way. Any qualifying discounts will bring down the cost of coverage.

For a list of providers offering insurance discounts, click here to view.

Factors that can influence insurance rates for a Chevy Express Cargo

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

Listed below are some of the items that factor into your rates.

  • Never go without insurance – Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Safer cars are cheaper to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you. If your Chevy Express Cargo has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Pay less if you’re married – Getting married actually saves money on your policy. It means you’re more mature and responsible and it’s proven that married couples file fewer claims.
  • Lower miles equals lower premium – The higher the mileage driven every year the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates compared to those used for work or business. Improper usage on your Express Cargo may be costing you. Ask your agent if your auto insurance declarations sheet is showing the correct usage for each vehicle.
  • Little extras can really add up – There are quite a few extra bells and whistles that you can get tricked into buying on your Express Cargo policy. Insurance for personal injury protection, accidental death and term life insurance are examples of these. These coverages may sound good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Traffic violations increase rates – Your driving citation history has a big impact on rates. Just one citation can boost insurance rates forty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Rates may be higher depending on your occupation – Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, social workers and stock brokers tend to have the highest rates due to stressful work requirements and lengthy work days. On the other hand, occupations such as farmers, students and homemakers receive lower rates on Express Cargo insurance.
  • Adjust deductibles and save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Chevy. Some examples of claims that would be covered are colliding with a building, vandalism, and burglary. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the less your company will charge you for insurance on Express Cargo insurance.

What coverages do I need?

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation will benefit from professional help.

  • Are rock chip repairs covered?
  • Where can I find DUI or SR-22 insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are split liability limits better than a combined single limit?
  • Why is insurance for a teen driver so high?
  • Why do I need rental car insurance?
  • What is the ISO rating for a 2015 Chevy Express Cargo?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Advertising myths

Progressive, Geico, Allstate and State Farm continually stream television and radio advertisements. All the companies have a common claim that you’ll save big after switching to them. How can each company say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer they prefer to insure. For example, a desirable insured could be over the age of 50, insures multiple vehicles, and has a high credit rating. A customer who fits that profile receives the best rates and as a result will probably cut their rates substantially.

Drivers who do not match the requirements will be charged a more expensive rate and ends up with the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings.

That is why drivers must get a wide range of price quotes. Because you never know the company that will provide you with the cheapest Chevy Express Cargo insurance rates.

Coverage specifics

Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Express Cargo.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills such as ambulance fees, dental work and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Auto liability

This can cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, legal defense fees, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision insurance

Collision insurance pays for damage to your Express Cargo caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, backing into a parked car, driving through your garage door, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage 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 claims like a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Take this to the bank

We just showed you a lot of techniques to compare 2015 Chevy Express Cargo insurance prices online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from a smaller regional carrier. These companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

Budget-conscious insurance can be found online as well as from independent agents, and you need to comparison shop both to have the best selection. Some car insurance companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

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