Save on 2016 Chevrolet Express Cargo Insurance Quotes

Trying to come up with a payment for overpriced insurance can diminish your accounts and possibly require you to analyze your spending habits. Comparing price quotes can help to make sure you’re not throwing money away.

Multiple auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to discover the definitive best rates possible.

It’s a good habit to check insurance prices every six months since insurance prices change frequently. Just because you found the lowest rates for Express Cargo coverage six months ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance because we’re going to show you the quickest way to remove unneeded coverages and save money.

If you have a policy now or need a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the most effective way to shop online.

Get lower-cost insurance prices by understanding these factors

Lots of things are considered when premium rates are determined. Some are pretty understandable like a motor vehicle report, but other criteria are not quite as obvious such as whether you are married or your financial responsibility.

The factors shown below are a few of the things utilized by car insurance companies to help set prices.

  • Safety ratings are a factor – Safe vehicles can get you lower premiums. Safer cars reduce the chance of injuries and lower rates of occupant injuries translates directly to fewer claims passed on to you as lower rates. If your Chevy Express Cargo scored better than four stars on Safercar.gov you may be receiving a better rate.
  • If you don’t need it don’t buy it – There are many extra bells and whistles that can add up if you aren’t careful. Coverages for roadside assistance, better glass coverage, and term life insurance are probably not needed. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Traffic violations can be expensive – Having a single driving citation may cause rates to rise by as much as twenty percent. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. People who have multiple violations like DUI or reckless driving are required to submit a SR-22 form with their state DMV in order to prevent their license from being revoked.
  • Do you have enough liability? – Your auto insurance policy’s liability coverage kicks in if a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Save miles and save money – Driving more miles each year the higher the price you pay to insure it. A lot of insurance companies rate vehicles based upon how you use the vehicle. Vehicles that do not get driven very much receive better premium rates as compared to vehicles used primarily for driving to work. Improper usage on your Express Cargo may be wasting your money. Double check that your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.

Use discounts to get cheaper auto insurance quotes

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Some of these disounts will be visible when you purchase, but lesser-known reductions have to be asked for in order for you to get them.

  • Telematics Data Discounts – Insureds who allow driving data submission to monitor driving patterns through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will save you 10% or more.
  • One Accident Forgiven – Not a discount per se, but some companies like Allstate and GEICO allow you one accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • No Claims – Insureds with no claims or accidents pay less as opposed to bad drivers.
  • Memberships – Participating in qualifying clubs or civic groups could qualify you for a break on your next auto insurance statement.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears you could get a free auto insurance policy, auto insurance companies aren’t that generous.

A list of auto insurance companies and some of the premium reductions they offer are detailed below.

  • The Hartford may offer discounts for air bag, defensive driver, vehicle fuel type, good student, bundle, driver training, and anti-theft.
  • American Family discounts include TimeAway discount, good student, air bags, multi-vehicle, bundled insurance, mySafetyValet, and early bird.
  • Progressive may include discounts for multi-policy, continuous coverage, multi-vehicle, online signing, good student, homeowner, and online quote discount.
  • Travelers includes discounts for IntelliDrive, payment discounts, driver training, multi-car, early quote, new car, and continuous insurance.
  • Farmers Insurance offers premium reductions for mature driver, teen driver, alternative fuel, business and professional, switch companies, electronic funds transfer, and good student.
  • USAA has savings for defensive driver, safe driver, driver training, annual mileage, and military installation.
  • Liberty Mutual may have discounts that include exclusive group savings, newly retired, hybrid vehicle, good student, and new graduate.

When getting free auto insurance quotes, it’s a good idea to every company how you can save money. Savings may not be available in your area. If you would like to see a list of insurers offering auto insurance discounts, click here to view.

Does insurance coverage advertising bend the truth?

Consumers can’t escape the ads that claim the cheapest prices from companies such as Allstate, GEICO and Progressive. They all have a common claim that drivers will save a bundle just by moving your coverage to them.

But how can every company give you a better price? It’s all in the wording.

Insurance providers provide the lowest rates for the type of customer that will generate a profit. For example, a driver they prefer might have to be over the age of 35, has never had a claim, and does not commute to work. A customer getting a price quote who fits that profile is entitled to the best price as well as cut their rates if they switch.

Potential customers who do not meet these criteria will have to pay a higher premium with the end result being the customer not purchasing. The ads say “drivers who switch” not “everybody who quotes” save money. That’s why companies can truthfully make claims that they all have the best car insurance rates. Because each company has a different risk profile, drivers should get auto insurance quotes as often as possible. It is impossible to predict which company will give you the biggest savings.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Does liability extend to a camper or trailer?
  • Is a blown tire covered by insurance?
  • I don’t drive much so do I pay less?
  • I have a DUI can I still get coverage?
  • Am I covered if I wreck a rental car?
  • Should I sign the liability waiver when renting a car?
  • How does medical payments coverage work?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Car insurance coverages for a Chevy Express Cargo

Knowing the specifics of auto insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.

Auto liability insurance

This coverage will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things like loss of income, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express Cargo.

Since many drivers only purchase the least amount of liability that is required, 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.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses such as chiropractic care, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover 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

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, damage from a tornado or hurricane and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

Collision coverage pays for damage to your Express Cargo resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Saving money makes a lot of cents

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where an insured cut liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

In this article, we presented many ways to lower your 2016 Chevy Express Cargo insurance prices. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive auto insurance. Consumers may even find the biggest savings come from some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Even more information is available in the articles below:

Comments About 2016 Chevrolet Express Cargo Insurance

  1. Fernanda Castillo

    I got quite a few price quotes for a 2016 Chevrolet Express Cargo in Parkersburg, WV. Ended up at roughly $100 every six months with American Family. Insured with Western Auto Insurance before. I’m a pretty good driver though.

  2. Krista Duffy

    I live in a small town just outside of Burlington, VT. I got free prices from Sentry, Eastwood, Progressive, and AIG Insurance for my Chevrolet and saved about $170 a year. Insured with AAA before. Just go online and compare their rates.

  3. Hertha Dickson

    If you don’t have tickets and are close to Paterson, NJ, check out 21st Century. I saved quite a bit.

  4. Candace Stevenson

    Is Allstate or Encompass cheap in Detroit, Michigan?

  5. Leonia Coffey

    Anyone like their agent?

  6. Krystal Clemons

    Great site. Quoted with Esurance for my Chevrolet and saved around $100 a year.

  7. Mahalia Anthony

    I was with The General last year but switched to GEICO. I’m just east of Rochester, New York. Was with MetLife.

  8. Pricilla Decker

    I went with Allstate at renewal. Best rates in Las Vegas, Nevada. I even had a DUI years ago. Online quotes are the way to go.

  9. Cristin Joseph

    Does GEICO have good claim service?

  10. Betsey Mueller

    Does Allstate use ACV or replacement cost?

  11. Avery Howe

    I live in a small town just outside of Rapid City, South Dakota. I don’t recall every quote but I ended up saving about $20 each month. Not sure about claim service.

  12. Guillermina Mooney

    Will GEICO cancel if I have a claim?

  13. Sierra Foster

    IT’S ALL TOO EXPENSIVE! I’m in the north part of Allentown, Pennsylvania. Quoted prices online for a 2016 Chevrolet Express Cargo. Ended up at about $580 savings annually. Went with GEICO. Insured with Esurance before. They have free quotes online.

  14. Audrie Stokes

    Here’s what I found out. From northwest of Dallas, TX. Quoted prices from AAA, Nationwide, and a few others for my Chevrolet and I think I cut my rates about $60 each month. Left Farmers to switch. I just quoted rates online.

  15. Beverlee Harrison

    I’m in Hartford, CT. Don’t remember every company but I ended up saving about $60 each month. Left Farmers to switch.

  16. Glendora Horton

    Where is cheaper car insurance? Got a quote with Hanover for my Chevrolet and am saving around $420 a year. Left GEICO to switch. I get lower rates because of my clean driving record.

  17. Cordie Sutton

    Checking in from Dallas, Texas. Checked online prices for a 2016 Chevrolet Express Cargo. Ended up at about $530 savings annually. Went with Progressive. I got a quote from their website.