View 2001 Chevrolet Express Cargo Insurance Rates

Trying to find lower insurance coverage rates for your Chevrolet Express Cargo? Did budget coverage turn out to be overpriced insurance coverage? Believe me, many consumers feel financially strained by their insurance coverage policy.

Multiple auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

Consumers need to get comparison quotes once or twice a year because insurance prices are rarely the same from one policy term to another. Even if you got the lowest price for Express Cargo insurance a few years ago you may be paying too much now. Block out anything you think you know about insurance coverage because you’re going to get a crash course in one of the easiest ways to save money, get proper coverage and the best rates.

How to compare insurance coverage price quotes

When shopping for insurance coverage there are multiple ways of comparing price quotes from companies that offer insurance coverage in your state. The simplest method to find competitive 2001 Chevy Express Cargo insurance rates is to use the internet to compare rates. This can be done in several different ways.

1. The most efficient way to get quotes would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do separate quote forms for each company. Just one form will return price quotes direct from many companies.
2. A less efficient way to obtain and compare quotes online is spending the time to visit each individual company website to request a price quote. For sake of this example, let’s say you want to view quotes from Farmers, 21st Century and Geico. To get rate quotes you would need to navigate to each company’s site and enter your policy data, which is not fast way to get rate quotes.

   To view a list of companies in your area, click here.

However you get your quotes, make sure you use exactly the same quote information for every company. If you use unequal deductibles or liability limits it will be next to impossible to determine which company has the best rates. Slightly different coverages can mean a large discrepancy in price. And when price shopping your coverage, having more price comparisons gives you a better chance of getting better pricing. Some insurance companies are not set up to provide online rate quotes, so you also need to get price quotes from those companies as well.

Cheap insurance rates with discounts

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using when you buy insurance online. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

• Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
• Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings of more than 20%.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
• Distant Student Discount – Any of your kids who attend college more than 100 miles from home and do not have a car may be insured at a cheaper rate.
• Military Rewards – Being deployed with a military unit could mean lower premium rates.
• Drive Less and Save – Fewer annual miles on your Chevy can qualify you for discounted rates on garaged vehicles.
• Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
• Sign Early and Save – Some companies reward drivers for switching companies before your current coverage expires. You could save around 10% when you buy insurance online.

One thing to note about discounts is that most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky. But any discount will definitely lower the cost of coverage.

A partial list of companies that may offer some of the discounts shown above include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

When getting free insurance quotes, it’s a good idea to all the companies which discounts can lower your rates. Some discounts listed above may not apply to policyholders everywhere. To choose insurance companies that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation may require specific advice.

• When should my teen driver be added to my policy?
• Do I pay less for low miles?
• Should I buy more coverage than the required minimum liability coverage?
• Do I need roadside assistance coverage?
• What is an SR-22 filing?
• How can I get my company to pay me more for my totalled car?
• Do I need added coverage for expensive stereo equipment?
• How high should my medical payments coverage be?
• Am I covered if I hit a deer?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverages explained

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for chiropractic care, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverages

Comprehensive insurance pays for 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 coverage protects against claims such as hitting a deer, hitting a bird and a broken windshield. The maximum 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.

Collision coverage

This coverage will pay to fix damage to your Express Cargo resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like repair bills for other people’s vehicles, attorney fees, loss of income, legal defense fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.