Save on 2008 Chevrolet Express Cargo Insurance Quotes

Trying to find low-cost insurance for a new or used Chevy Express Cargo can normally be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to shop for car insurance and you need to know the quickest way to compare rates for a new or used Chevy and locate the best price possible either online or from local insurance agents.

You need to do rate comparisons yearly because car insurance rates fluctuate regularly. Even if you got the lowest rate on Express Cargo coverage a couple years back there may be better deals available now. Block out anything you think you know about car insurance because I’m going to teach you one of the quickest ways to properly buy coverages and cut your premium.

How to compare free auto insurance rate quotes

Lowering your 2008 Chevy Express Cargo auto insurance rates is not a difficult process. You just have to take the time comparing price quotes from different insurance companies. It is quite easy and can be accomplished using one of these methods.

The recommended way to get quotes would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for separate quote forms for each price estimate. One simple form compares rates instantly. This is perfect if you don’t have a lot of time.

A more difficult way to find better pricing requires you to visit the website for every company you want to comare to complete a price quote. For example, let’s say you want to get rates from Progressive, Geico and American Family. You would need to spend time on each company’s site to enter your coverage information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but make sure you are using the exact same coverage data with each company. If you have different values for each quote it’s not possible to make an equal comparison.

Insurance coverage rates and discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be specifically requested prior to receiving the credit.

• Save over 55 – Drivers that qualify as senior citizens may receive lower premium rates on Express Cargo coverage.
• Telematics Data Discounts – Drivers who elect to allow driving data submission to study their driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as the data is positive.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
• Discounts for Responsible Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Express Cargo coverage than drivers with accidents.
• Waiver for an Accident – This one is not really a discount per se, but a few companies such as Progressive and Allstate will let one accident slide before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
• Active Service Discounts – Being on active deployment in the military may lower your insurance coverage rates slightly.
• College Student – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle can receive lower rates.
• Driver’s Education for Students – Require your teen driver to sucessfully take a drivers education course if offered at their school.
• Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you quote insurance coverage on Express Cargo coverage depending on your company.
• Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote as compared to bad drivers.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

The best insurance coverage companies and a selection of discounts are outlined below.

• State Farm may offer discounts for accident-free, Steer Clear safe driver discount, student away at school, safe vehicle, Drive Safe & Save, and anti-theft.
• American Family has savings for good student, accident-free, bundled insurance, defensive driver, TimeAway discount, good driver, and early bird.
• Geico may have discounts that include anti-theft, membership and employees, good student, federal employee, and military active duty.
• 21st Century includes discounts for anti-lock brakes, early bird, driver training, 55 and older, and defensive driver.
• Progressive offers premium reductions for homeowner, online quote discount, online signing, good student, multi-policy, continuous coverage, and multi-vehicle.

If you need lower rates, check with every prospective company how many discounts you can get. Discounts may not be offered in every state. To view companies offering insurance coverage discounts, follow this link.

Situations that may require an agent’s advice

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if you will benefit from professional help.

• When should I buy a commercial auto policy?
• Are my friends covered when driving my car?
• Can my teen drive my company car?
• What is no-fault insurance?
• Should I bundle my homeowners policy with my auto?
• What if I total my 2008 Chevy Express Cargo and owe more than it’s worth?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

How to lower your insurance costs

Lots of factors are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving history, although others are more transparent like where you live or your vehicle rating.An important part of buying insurance is that you know the factors that aid in calculating your policy premiums. When you know what positively or negatively determines base rates, this allows you to make good choices that may result in lower insurance coverage prices.

• Having a spouse can save you money – Being married helps lower the price when shopping for insurance coverage. Having a spouse translates into being less irresponsible it has been statistically shown that drivers who are married file infrequent claims.
• Drive less and pay lower prices – Driving a lot of miles every year the higher your rates will be. Many insurance companies charge rates partially by how you use the vehicle. Cars and trucks not used for work or commuting cost less to insure than vehicles that have high annual mileage. A policy that improperly rates your Express Cargo can cost quite a bit. Verify your insurance coverage declarations sheet states the correct driver usage.
• Avoid unnecessary extra coverages – Insurance companies have many extra coverages you can purchase when buying insurance coverage. Insurance for things like personal injury protection, better glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but now you might not need them so think about removing them and cutting costs.
• Premiums can change based on your address – Living in small towns and rural areas is a good thing when shopping for auto insurance. City drivers regularly have much more traffic and longer commute times. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.
• Alarms and GPS tracking lower rates – Driving a car that has a built-in theft deterrent system can help lower your premiums. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your vehicle from being stolen.

Is there truth in advertising?

Consumers can’t get away from all the ads for cheaper insurance coverage from the likes of Progressive, Allstate and Geico. All the ads make the point that people will save just by switching to their company.

But how can every company offer you a better deal? Here is the trick they use.

Companies have an ideal profile for the type of customer that makes them money. One example of a driver they prefer might be a female over age 40, carries full coverage, and has a high credit rating. A driver who matches that profile is entitled to the best price and as a result will probably cut their rates substantially.

Insureds who are not a match for these standards will probably be forced to pay a higher rate and the customer buying from someone else. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that much money. That’s the way insurance companies can make those statements.

That is why you absolutely need to get insurance coverage quotes from several different companies. It is impossible to guess with any certainty which company will have better rates than you’re paying now.

Insurance coverages 101

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Chevy Express Cargo.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others. Liability 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 limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like bail bonds, loss of income, structural damage, emergency aid and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision insurance covers damage to your Express Cargo caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like funeral costs, ambulance fees and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, hitting a deer, rock chips in glass and a broken windshield. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Be Smart and Buy Smart

Drivers leave their current company for many reasons like policy cancellation, delays in paying claims, questionable increases in premium or denial of a claim. Regardless of your reason for switching companies, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at the lowest possible cost.

Budget-friendly insurance is attainable both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don’t offer online rate quotes and most of the time these small insurance companies work with local independent agencies.

More tips and info about insurance can be found by following these links:

• Senior Drivers (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• How to Avoid Staged Accidents (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)