Lower Your 2014 Chevrolet Express Cargo Insurance Quotes

Want lower insurance rates for your Chevrolet Express Cargo? When shopping for lower-cost insurance, are you confused by the sheer number of insurance providers that you can choose from? You have such a vast assortment of providers available that it can turn into a difficult situation to find lower rates.

It’s a good habit to compare prices on a regular basis since prices change quite often. Even if you got the best quotes on Express Cargo coverage two years ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to find out the only way to find the best coverage while lowering your premiums.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you should be able to cut costs considerably using these methods. But consumers do need to know how insurance companies market on the web.

Low cost auto insurance rate quotes

When comparison shopping, there are several ways to compare rate quotes from different companies. By far the easiest way to find the cheapest Chevy Express Cargo insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

• The recommended way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form keeps you from doing multiple quote forms for each price estimate. A single, simple form gets you coverage quotes from several companies. It’s the fastest way to compare.
• A slightly less efficient method to find lower rates requires a visit to each company website and repeat the quote process again and again. For example, let’s assume you need rates from Progressive, 21st Century and GMAC. You would be required to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is more popular.

  For a list of links to companies insuring cars in your area, click here.

• The final way to get price estimates is to spend time driving to each insurance agency near you. The fact that you can get quotes online can eliminate the need for a local agent unless you have a complicated situation and need the personal advice that can only be provided by a licensed insurance agent. Although you can get the lowest quotes online but buy from a local insurance agent.

Whichever method you choose, make sure you are using the same coverage information with every price quote. If each company quotes differing limits you will not be able to find the best deal for your Chevy Express Cargo. Quoting even small variations in insurance coverages can make a big difference in price. Just remember that making a lot of price comparisons helps you find more affordable insurance. Some regional insurers cannot provide online quotes, so you should also compare price estimates from them as well.

Car insurance discounts help slash rates

Car insurance is not cheap nor is it fun to buy but you can get discounts that can drop the cost substantially. Some of these disounts will be visible at the time of quoting, but some discounts are required to be manually applied prior to getting the savings.

• Theft Prevention Discount – Cars and trucks with anti-theft systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
• 55 and Retired – Older drivers may qualify for a slight reduction on a car insurance quote on Express Cargo coverage.
• Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
• Accident-Free Discounts – Drivers with accident-free driving histories pay less in comparison with drivers with a long claim history.
• Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a small discount if you purchase life insurance from them.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic.

To see a list of insurance companies who offer car insurance discounts, follow this link.

Which is the best car insurance?

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

• Does having multiple vehicles earn me a discount?
• Am I covered when driving a rental car?
• Do I have coverage when pulling a U-Haul trailer?
• Do I need rental car coverage?
• Where can I find high-risk insurance?
• When do I need to add a new car to my policy?
• Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Informed decisions result in lower insurance rates

Many things are considered when pricing auto insurance. Some are obvious such as your driving record, although some other factors are more transparent such as your credit history or how financially stable you are.

• Too many auto insurance claims and you’ll pay more – If you are the type of insured that files lots of claims you can look forward to increased rates or even have your policy non-renewed. Insurance companies provide discounts to insureds who do not file claims often. Your car insurance is intended for major claims that would cause financial hardship.
• Deter theft and pay less – Buying a car with anti-theft technology or alarm system can save you some money. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent vehicle theft.
• Big cities have higher costs – Having an address in less populated areas is a good thing when talking about auto insurance. People who live in big cities tend to have much more traffic and much longer commute distances. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.
• Gender and car insurance premiums – Over the last 30 years, statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better drivers. Men and women cause auto accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Youthful male drivers generally have the highest accident percentage and thus pay the highest rates.
• Low stress vocation equals lower rates – Occupations like fire fighters, executives and accountants have higher rates than average in part from intense work situations and long work days. On the flip side, professions such as farmers, students and performers have the lowest average rates on Express Cargo coverage.

Do you really save 40% when you switch?

Respected companies like Allstate, Geico and Progressive continually stream ads on TV and radio. All the companies tend to make the same promise about savings after switching your policy. It sounds good, but how can they all save you money? This is the trick they use.

Most companies look for specific characteristics for the type of insured they prefer to insure. A good example of a driver they prefer could possibly be over the age of 50, has never had a policy lapse, and has a high credit rating. Anyone who fits that profile receive the lowest rate quotes and will probably pay quite a bit less when switching companies.

Drivers who do not meet those criteria will see higher premiums and this results in the customer buying from someone else. If you pay attention, the ads say “customers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently make those claims. This illustrates why it is so important to compare quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.

Auto insurance 101

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision protection

This covers damage to your Express Cargo resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, colliding with a tree, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, rock chips in glass and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Chevy Express Cargo.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like funeral costs, hospital visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage can cover damage that occurs to other’s property or people. It protects YOU against claims from other people, and 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 policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as court costs, loss of income and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

The best insurance company isn’t always the cheapest

We just covered many ways to compare 2014 Chevy Express Cargo insurance premium rates online. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

When shopping online for car insurance, it’s a bad idea to reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best price, but do not skimp to save money.

Affordable 2014 Chevy Express Cargo insurance is available from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some companies do not offer price quotes online and these small insurance companies provide coverage only through independent insurance agencies.

Additional learning opportunities

• Event Data Recorders FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)