2013 Chevrolet Express Cargo Car Insurance Rates

Trying to find the cheapest car insurance rates for your Chevrolet Express Cargo? Comparison shopping for low cost Driverscar insurance may be kind of frustrating for beginners to online price comparisons. Consumers have so many choices that it can quickly become a big hassle to compare rates.

You need to quote other rates periodically because rates change quite often. Even if you got the lowest premium rates for Express Cargo insurance two years ago the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because I’m going to teach you the best way to find lower rates on car insurance.

If you are paying for car insurance now, you will be able to cut costs considerably using these tips. This information will instruct you on how to effectively get price quotes and some money-saving tips. Although drivers do need to understand how big insurance companies determine prices and use this information to your advantage.

Get cheaper insurance coverage with discounts

Car insurance can cost a lot, but there could be significant discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be asked about prior to receiving the credit. If you don’t get every credit you deserve, you are not getting the best rate possible.

• ABS Brakes – Cars and trucks that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
• Defensive Driver Discounts – Participating in a course in driver safety can save you 5% or more and also improve your driving technique.
• Student Discount for Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in high school.
• Claim Free – Good drivers with no accidents pay much less as compared to accident-prone drivers.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts can save a little off the PIP or medical payment premium.
• Early Switch Discount – Select companies give a discount for switching companies prior to the expiration date on your current policy. It’s a savings of about 10%.
• Anti-theft System – Cars equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your car insurance quote.
• Active Service Discounts – Being on active deployment in the military may lower your insurance coverage rates slightly.

Keep in mind that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will reduce the cost of coverage.

Some of the insurance companies that may offer policyholders some of the above discounts include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be available to policyholders in your area. To locate insurers with discount rates, click this link.

Buy insurance online

All major insurance companies provide prices for coverage on their websites. Doing online price comparisons is very simple because it’s just a matter of typing in your personal and coverage information into a form. When the form is submitted, their rating system sends out for information on your driving record and credit history and returns pricing information based on many factors.

This makes it easy to compare insurance prices but the time it takes to visit several different sites and type in the same information is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to get a better rate.

An easier way to locate the lowest prices uses just one form to obtain quotes from many companies. The form is fast, eliminates form submissions, and makes price shopping online much simpler. Once the form is submitted, it gets priced and you can select any one of the quotes returned. If you find a better price you can simply submit the application and buy the policy. This process takes less than 15 minutes and may result in a nice savings.

To find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate the coverages as close as possible to your current policy. Doing this guarantees you will receive comparison quotes for similar insurance coverage.

Insurance rate influencing factors

Lots of things are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving record, although some other factors are less obvious such as your marital status or your financial responsibility.

• Companies want multiple policies – The majority of companies will give discounts to policyholders that purchase more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to compare other insurance prices to confirm you are receiving the best rates possible. You may still be able to find lower rates by buying insurance from more than one company.
• Save money with theft deterrents – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
• Teen drivers pay high rates – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.Teenage drivers are proven to get distracted easily when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
• Policy add-ons could be costing you – There are many extra coverages that you can buy when buying auto insurance. Things like roadside assistance, towing coverage, and additional equipment coverage are examples of these. The coverages may be enticing initially, but if they’re wasting money get rid of them and save.
• Responsible drivers pay the best prices – Your driving record impacts premiums far more than you think. Careful drivers get better prices as compared to careless drivers. Only having one driving citation may increase your cost by twenty percent. Drivers who have gotten dangerous tickets such as DUI or reckless driving are required to file a SR-22 with their state DMV in order to prevent their license from being revoked.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions can help discover whether or not you might need professional guidance.

• What is the rate difference between pleasure use and commuting?
• What is the difference between comprehensive and collision coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Can I get a multi-policy discount?
• Should I sign the liability waiver when renting a car?
• Is my teen driver covered when they drive my company car?
• What is no-fault insurance?
• Does my policy cover me when driving someone else’s vehicle?
• When should my teen driver be added to my policy?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Auto insurance specifics

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills for prosthetic devices, funeral costs, ambulance fees, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, falling objects, hitting a bird, fire damage and a broken windshield. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage – This coverage provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, court costs, emergency aid and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your 2013 Chevy Express Cargo.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision – Collision coverage will pay to fix 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 coverage protects against things like crashing into a ditch, hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Find Good Coverage for Less

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.

Insureds change insurance companies for many reasons like policy cancellation, lack of trust in their agent, high prices and an unsatisfactory settlement offer. Whatever your reason, finding the right auto insurance provider can be easy and end up saving you some money.

We’ve covered a lot of ways to compare 2013 Chevy Express Cargo insurance rates online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting low cost car insurance. You may even discover the best price on auto insurance is with the least-expected company.

Even more information can be found by following these links:

• Things to Know Before you Cancel Insurance (Allstate)
• How to Avoid Staged Accidents (State Farm)
• Electronic Stability Control FAQ (iihs.org)
• Coverage Information (Progressive Insurance)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)