Lower Your 2012 Chevrolet Express Cargo Car Insurance Rates

Shoppers have a choice when shopping for affordable Chevy Express Cargo insurance. They can either waste time driving around trying to get quotes or use the internet to compare rates.

There are more efficient ways to buy insurance and we’ll show you the absolute fastest way to price shop coverage on a Chevy and find the best price possible from both online companies and local agents.

The purpose of this article is to help educate you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Drivers only need an understanding of the proper way to compare prices online.

How do insurance companies determine Chevy Express Cargo insurance costs?

Multiple criteria are part of the calculation when quoting car insurance. Some are obvious like an MVR report, but others are more obscure like where you live or how financially stable you are.

The following are some of the items that factor into your rate level.

• Lower rates by increasing coverage deductibles – The deductibles you choose are the amount of money you are required to pay if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims would be colliding with a stationary object, animal collisions, and having a roll-over accident. The more money the insured has to pay upfront, the bigger discount you will receive on Express Cargo coverage.
• Extra coverages could be costing you – There are many add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for replacement cost coverage, accident forgiveness, and motor club memberships are probably not needed. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.
• Younger drivers pay higher prices – Mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.Youthful drivers are statistically proven to be inattentive and easily distracted with other occupants in the car therefore insurance coverage rates are much higher.
• Good drivers pay less – How you drive has a big impact on rates. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Having a single moving violation can boost insurance rates substantially. Drivers who have gotten flagrant citations like reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
• Women tend to take less risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. The data does not necessarily mean that men are worse drivers. Both genders cause auto accidents in similar numbers, but men get into accidents with more damage. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI).

How to lower your car insurance cost

All major car insurance companies such as Geico, State Farm and Progressive provide prices direct online. Doing online price comparisons is fairly simple as all you need to do is type in the coverage amounts you desire into a form. Once you submit the form, their rating system collects information on your driving record and credit history and generates pricing information based on these and other factors.

Being able to quote online makes comparing rates easy, but having to visit each company’s website and repetitively enter the same data into a form is a waste of time. But it’s necessary to get many rate quotes if you want to find a lower rate.

The quickest way to compare car insurance pricing utilizes a single form that obtains quotes from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. Immediately after you send the form, it gets priced with multiple companies and you can pick any or none of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To quickly find out how much you’re overpaying now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the coverage information identical to your current policy. Using the same limits helps guarantee you will receive a price comparison using the exact same coverages.

Brand name doesn’t guarantee savings

Drivers can’t escape the ads for the lowest price insurance from companies such as Geico, State Farm and Progressive. They all seem to make the point that drivers will save a bundle if you change your policy.

It sounds good, but how can they all charge you a lower premium? It’s all in the numbers.

Insurance providers have an ideal profile for a prospective insured that will be a good risk. For example, this type of driver may need to be over age 30, has few claims, and drives less than 7,500 miles a year. Any customer who fits that profile will probably get the lowest prices and will most likely save a lot of money.

People who fall short of these stringent criteria may receive a more expensive rate and this can result in business going elsewhere. The ads say “drivers that switch” but not “all drivers who get quotes” save money. That’s why insurance companies can claim big savings.

This really emphasizes why it is so important to get insurance coverage quotes from several different companies. It’s just not possible to know the company that will have better car insurance rates than you’re paying now.

Insurance coverage discounts are available to slash your rates

Some companies don’t necessarily list their entire list of discounts very clearly, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

• Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts up to 30%.
• Student in College – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
• Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will forgive one accident before they charge you more for coverage if your claims history is clear for a set time period.
• Onboard Data Collection – Drivers who elect to allow driving data submission to look at vehicle usage by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they are good drivers.
• Cautious Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates on Express Cargo coverage compared to accident prone drivers.
• Early Payment Discounts – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
• Good Student – Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
• ABS Braking Discount – Cars equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
• Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Express Cargo coverage but check with your company.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

Large insurance coverage companies and the discounts they provide are:

• Progressive may include discounts for multi-policy, multi-vehicle, good student, continuous coverage, online signing, and online quote discount.
• Farmers Insurance offers discounts for homeowner, distant student, switch companies, alternative fuel, business and professional, and pay in full.
• Farm Bureau includes discounts for driver training, good student, multi-vehicle, 55 and retired, and multi-policy.
• State Farm may offer discounts for driver’s education, good driver, accident-free, good student, student away at school, and passive restraint.
• Geico discounts include multi-policy, anti-lock brakes, air bags, driver training, membership and employees, five-year accident-free, and federal employee.
• SAFECO offers discounts including bundle discounts, multi-car, teen safe driver, drive less, and teen safety rewards.
• Liberty Mutual has discounts for preferred payment discount, new vehicle discount, teen driver discount, multi-policy, newly retired, and hybrid vehicle.

If you want cheaper insurance coverage quotes, ask all companies you are considering to apply every possible discount. Discounts may not be available everywhere. If you would like to see a list of providers that provide some of the discounts listed above, click this link.

Everyone needs different auto insurance coverages

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions might help in determining if you could use an agent’s help.

• Will I be non-renewed for getting a DUI or other conviction?
• How can I get my company to pay me more for my totalled car?
• Why does it cost so much to insure a teen driver?
• Do I need to file an SR-22 for a DUI in my state?
• Should I sign the liability waiver when renting a car?
• Does my insurance cover my expensive audio equipment?
• Am I covered if I wreck a rental car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like ambulance fees, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, rolling your car, scraping a guard rail, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane, a broken windshield, theft and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Chevy Express Cargo.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage

This coverage can cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering, legal defense fees and medical expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Smart consumers save more

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured cut comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Cheaper auto insurance is available on the web and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies may not have rate quotes online and many times these small, regional companies work with independent agents.

You just read some good ideas how you can compare 2012 Chevy Express Cargo insurance rates online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the smaller companies.

For more information, feel free to visit the articles below:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Liability Insurance Coverage (Nationwide)
• Vehicle Insurance in the U.S. (Wikipedia)
• Child Safety FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)