2006 Chevrolet Express Cargo Insurance Cost

Searching for lower-cost insurance coverage over the internet may seem to be somewhat difficult for vehicle owners who are new to comparing and buying insurance coverage over the internet. With a ridiculous number of insurers to choose from, how can vehicle owners be able to compare each option to find lower insurance coverage premiums?

How much does car insurance cost?

When shopping for car insurance there are multiple ways to compare prices from companies that offer car insurance in your state. The best way to find the lowest 2006 Chevy Express Cargo rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

1. The recommended way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method eliminates the need for multiple quote forms for each company you want a rate for. One form gets prices estimates from multiple companies. Just one form and you’re done.
2. A less efficient way to find more affordable insurance consists of going to each company website and repeat the quote process again and again. For instance, we’ll pretend you want to view quotes from Progressive, Liberty Mutual and Allstate. To get each rate you have to navigate to each company’s site and repeatedly type in 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.

Which method you use is up to you, but ensure you’re using apples-to-apples quote data for every quote you compare. If you use higher or lower deductibles it will be very difficult to truly determine the lowest rate. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes increases your odds of finding more affordable rates. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare price quotes from the smaller companies as well.

Does car insurance advertising bend the truth?

Progressive, Allstate and Geico consistently run television, radio, and online ads. All the companies advertise the message that you can save just by switching your policy. How is it plausible that every one can give you a better price? Just pay attention to how they say it.

All the different companies give the cheapest rates for the type of driver that will most likely be profitable. For example, this type of risk profile might be described as a mature driver, has no tickets, and drives a safe vehicle. Any new insured that fits those parameters may get the lowest premium rates and will save when switching.

Potential customers who do not fit those criteria must pay a higher rate which results in the customer not purchasing. The ad wording is “customers that switch” not “everybody who quotes” will save that much if they switch. That’s the way insurance companies can confidently lure you into getting a quote. Because every company is different, drivers must do a quote comparison often. It’s impossible to know which insurance companies will provide the lowest rates.

Don’t overlook these auto insurance discounts

Some providers don’t always advertise all their discounts in an easy-to-find place, so here is a list both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

• College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.
• Life Insurance Discount – Insurance carriers who offer life insurance give a break if you buy a life insurance policy as well.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school or through a local driver safety program.
• Multi-car Discount – Drivers who insure more than one vehicle on one policy qualifies for this discount.
• Active Service Discounts – Having an actively deployed family member could mean lower auto insurance rates.
• Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
• Theft Deterent – Cars optioned with advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
• Home Ownership Discount – Just owning your own home can get you a discount due to the fact that maintaining a home shows financial diligence.
• Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for Express Cargo coverage with some auto insurance companies.
• Defensive Driver Discount – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any amount of discount should help lower your auto insurance premiums.

Larger auto insurance companies and their possible discounts are outlined below.

• State Farm may include discounts for passive restraint, driver’s education, Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, multiple autos, and multiple policy.
• Liberty Mutual includes discounts for new vehicle discount, good student, multi-policy, exclusive group savings, and multi-car.
• American Family may offer discounts for defensive driver, multi-vehicle, accident-free, air bags, TimeAway discount, good student, and bundled insurance.
• Progressive offers discounts including online signing, good student, multi-vehicle, online quote discount, continuous coverage, homeowner, and multi-policy.
• Farmers Insurance discounts include multi-car, electronic funds transfer, good student, homeowner, distant student, alternative fuel, and youthful driver.
• Auto-Owners Insurance offers premium reductions for safe vehicle, mature driver, multiple vehicles, good student, paperless, and safe driver.
• SAFECO policyholders can earn discounts including accident prevention training, homeowner, bundle discounts, safe driver, drive less, and anti-lock brakes.

When getting a coverage quote, ask each company which credits you are entitled to. All car insurance discounts may not apply to policies in your area. If you would like to view insurance companies who offer auto insurance discounts, follow this link.

When to get professional advice

When choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your insurance needs will benefit from professional help.

• What is the minimum liability in my state?
• Is motorclub coverage worth it?
• Am I covered when driving someone else’s vehicle?
• What vehicles should carry emergency assistance coverage?
• How can I get my company to pay me more for my totalled car?
• Is my state a no-fault state?
• Does my car insurance cover rental cars?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Auto collision coverage

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

Collision insurance covers claims such as crashing into a building, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as funeral costs, doctor visits, hospital visits, nursing services and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like medical services, repair bills for other people’s vehicles, medical expenses, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a bird and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Power to the consumer

Budget-friendly insurance can be found from both online companies and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not have the ability to get quotes online and usually these small, regional companies prefer to sell through independent agents.

As you quote auto insurance, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured dropped comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest price.

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, delays in paying claims and even unfair underwriting practices. No matter why you want to switch, finding the right insurance provider is easier than you think.

Additional detailed information is available at these sites:

• Vehicle Insurance (Wikipedia)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Teen Driver Licensing Information (iihs.org)