2003 Chevrolet Express Cargo Insurance Rates

Want cheaper auto insurance rates for your Chevrolet Express Cargo? If price shopping car insurance quotes online is new to you, chances are good that you are confused thanks to the incredible selection of online companies that all promise to save you money.

These discounts can lower your car insurance rates

Not many people think insurance is cheap, but you may be missing some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be asked about before they will apply.

• Discount for Multiple Policies – When you combine your auto and home insurance with the same insurance company you may earn up to 20% off your total premium.
• Professional Organizations – Being in a professional or civic organization could qualify you for a break on car insurance.
• Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and will save you 10% or more.
• Good Student – Getting good grades may save you up to 25%. This discount can apply up to age 25.
• Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
• Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you could save 5% or more.

Please keep in mind that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you aren’t that lucky.

A list of companies and some of their more popular discounts are shown below.

• 21st Century offers premium reductions for automatic seat belts, theft prevention, anti-lock brakes, defensive driver, 55 and older, and student driver.
• Progressive has savings for multi-vehicle, online signing, continuous coverage, multi-policy, online quote discount, and good student.
• State Farm includes discounts for defensive driving training, good driver, anti-theft, driver’s education, student away at school, and multiple policy.
• Nationwide has discounts for multi-policy, easy pay, family plan, anti-theft, and defensive driving.
• Esurance may offer discounts for multi-policy, multi-car, safety device, paid-in-full, homeowner, and Switch & Save.
• The Hartford may have discounts that include good student, anti-theft, bundle, driver training, and air bag.

When quoting, ask every prospective company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area.

Informed consumers can lower insurance rates

Lots of factors are used in the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but some are not quite as obvious such as your marital status or how financially stable you are.When buying auto insurance it’s important to understand some of the elements that come into play when calculating your auto insurance rates. When consumers understand what impacts premium levels, this allows you to make educated decisions that can help you get much lower annual insurance costs.

• Extra policy coverages can cost a lot – Insurance companies have many add-on coverages that may not really be needed if you don’t pay attention. Insurance for things like rental car coverage, death and dismemberment, and Farm Bureau memberships may not be needed and are just wasting money. They may sound like good ideas when discussing your needs, but your needs may have changed so eliminate the coverages to reduce your premium.
• Low credit score equals high prices – Credit score can be an important factor in determining premium rates. So if your credit leaves room for improvement, you could save money insuring your 2003 Chevrolet Express Cargo by spending a little time repairing your credit. People with very good credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings.
• Drive less and get lower prices – The more miles you rack up on your Chevy in a year’s time the more you’ll pay to insure it. The majority of insurers calculate prices based upon how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates compared to those used for work or business. It’s a good idea to make sure your auto insurance policy shows the correct usage for each vehicle, because improper ratings can cost you money. Improper usage on your Express Cargo may be wasting your money.
• Do you work long hours in a stressful vocation? – Did you know that where you work can have an impact on rates? Occupations like real estate brokerspolice officers and medical professionals usually pay the highest rates due to intense work-related stress and extremely grueling work hours. On the other hand, jobs such as actors, historians and the unemployed receive lower rates on Express Cargo coverage.

Different people need different car insurance coverages

When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining if you will benefit from professional help.

• Can my teen driver be rated on a liability-only vehicle?
• What is PIP insurance?
• Is pleasure use cheaper than using my 2003 Chevy Express Cargo to commute?
• Can my babysitter drive my car?
• Do I have coverage when pulling a U-Haul trailer?
• Should I buy additional glass protection?
• Should I put collision coverage on all my vehicles?
• Is business property covered if stolen from my car?
• What happens if I owe more than my 2003 Chevy Express Cargo is worth?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form.

The coverage is in the details

Having a good grasp of your insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, medical expenses, funeral expenses and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from getting keyed, damage from a tornado or hurricane, theft and damage from flooding. The maximum amount a 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 removing comprehensive coverage.

Collision coverage protection

This will pay to fix damage to your Express Cargo caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses for surgery, hospital visits, nursing services and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

A penny earned…

We covered many tips how you can save on 2003 Chevy Express Cargo insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the most savings is with some of the lesser-known companies.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. In too many instances, drivers have reduced collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

Consumers change insurance companies for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, high prices and even extreme rates for teen drivers. No matter why you want to switch, finding the right insurance provider is less work than it seems.

Additional insurance information can be read at the links below

• Credit and Insurance Scores (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Keeping Children Safe in Crashes Video (iihs.org)