Cheaper 2015 Chevrolet Express Cargo Insurance Rates

Searching for lower car insurance rates for your Chevrolet Express Cargo? Are you regretting buying overpriced car insurance? It’s a common feeling and there are many drivers thinking the same thing.

Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive best rates possible.

You should take the time to do rate comparisons as often as possible because insurance prices are constantly changing. Even if you think you had the best rate on Express Cargo insurance six months ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to find out one of the easiest ways to find great coverage at a great price.

If you currently have car insurance, you should be able to cut costs considerably using these techniques. Finding the best rates is not rocket science. Although car owners should learn the methods companies use to price online insurance and use this information to your advantage.

The cheapest auto insurance

Shopping for lower auto insurance rates can take time and effort if you don’t utilize the most efficient way to do it. You can spend your afternoon driving to agents in your area, or you can utilize the internet to get the quickest rates.

Most of the best insurance companies participate in an industry program where prospective buyers enter their policy data once, and at least one company can give them a price based on that information. This prevents consumers from doing form submissions for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

The one downside to comparing rates this way is you can’t choose which insurance companies you will receive quotes from. So if you want to choose specific providers to compare prices, we have a page of auto insurance companies in your area. Click to view list.

Whichever way you use, ensure you’re using the exact same quote data for each quote you get. If you have different limits and deductibles on each one it will be impossible to determine the lowest rate for your Chevy Express Cargo. Slightly different coverages may result in a large different in cost. And when price shopping your coverage, comparing more quotes will improve the odds of getting a lower rate than you’re paying now.

You may qualify for discounts

Insuring your fleet can be pricey, but you might find some hidden discounts that can dramatically reduce your bill. A few discounts will be applied at quote time, but occassionally some discounts must be manually applied before you will receive the discount. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

• Low Mileage Discounts – Maintaining low annual mileage can qualify you for lower premium rates due to less chance of an accident.
• Telematics Data Discounts – Drivers who elect to allow driving data collection to look at driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they exhibit good driving behavior.
• Federal Employees – Active or former government employment can earn a discount up to 10% on Express Cargo insurance with select insurance companies.
• No Charge for an Accident – Not really a discount, but some companies like Allstate, State Farm and Geico may permit one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
• Payment Method – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.
• Good Grades Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will help lower your overall bill.

Auto insurance companies that may offer many of the previously listed discounts include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

If you need lower rates, check with every company how you can save money. All car insurance discounts might not apply in your state. To view insurers with the best discounts, click here.

Lower your insurance premiums

Many factors are part of the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but some are more transparent such as your marital status or your financial responsibility.When buying insurance coverage it’s important to understand a few of the rating criteria that come into play when calculating the price you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get big savings.

• Big city or small town – Living in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Fewer drivers on the road corresponds to lower accident rates in addition to lower liability claims Urban drivers tend to have congested traffic and more severe claims. Spending more time driving translates into higher accident risk.
• Vehicle theft costs us all – Driving a car with a theft deterrent system can save you a little every year. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your vehicle from being stolen.
• Safety first – Cars with five star safety ratings tend to be cheaper to insure. The safest vehicles reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums.
• Your employer is a factor – Careers such as judgesair traffic controllers and medical professionals generally have the highest rates because of intense work-related stress and long work days. Conversely, jobs like professors, historians and retirees get better rates on Express Cargo insurance.

There’s no such thing as the perfect insurance policy

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from professional advice.

• If my 2015 Chevy Express Cargo is totaled, can I afford another vehicle?
• Can I still get insurance after a DUI?
• Will filing a claim cost me more?
• Will my insurance pay for OEM parts?
• Is my business laptop covered if it gets stolen from my vehicle?
• Can my teen driver be rated on a liability-only vehicle?
• Can my teen drive my company car?
• Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverages explained

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Uninsured and underinsured coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Express Cargo.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, hospital visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, hitting a bird, rock chips in glass, hail damage and damage from flooding. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – This pays for damage to your Express Cargo resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, sustaining damage from a pot hole, hitting a parking meter, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Don’t be a big spender

The cheapest 2015 Chevy Express Cargo insurance can be sourced both online as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some insurance providers may not offer rates over the internet and most of the time these regional insurance providers prefer to sell through independent agents.

When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret that it was a big error on their part. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

To read more, link through to the following helpful articles:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Bodily Injury Coverage (Liberty Mutual)