2002 Chevrolet Express Cargo Insurance Quotes

Have you fallen victim to an overpriced insurance coverage policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Multiple insurance companies compete for your hard-earned dollar, so it’s not easy to compare every company to find the absolute best price available.

The best way to compare rates takes advantage of the fact auto insurance companies allow for online access to give you rate quotes. All you need to do is spend a couple of minutes providing details such as coverage limits, if you lease or own, marital status, and if a SR-22 is needed. The data is submitted instantly to many different companies and they provide comparison quotes within a short period of time.

You probably qualify for some discounts

Auto insurance companies do not advertise all their discounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.

  • Passive Restraint Discount – Factory air bags can get savings of up to 25% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance policy qualifies for this discount.
  • Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates on Express Cargo insurance.
  • Student in College – Youth drivers who live away from home and don’t have a car may qualify for this discount.
  • Accident Waiver – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a certain period of time.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, you won’t be that lucky.

A partial list of companies that may have these discounts include:

Double check with every prospective company which discounts they offer. Discounts might not apply in every state.

There’s no such thing as the perfect policy

When choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • Are my friends covered when driving my car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can my teen drive my company car?
  • Is my babysitter covered when using my vehicle?
  • Why does it cost so much to insure a teen driver?
  • What can I do if my company denied a claim?
  • What are the best liability limits?
  • Does my 2002 Chevy Express Cargo qualify for pleasure use?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Coverages available on your policy

Having a good grasp of car insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Auto liability insurance – Liability coverage can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like pain and suffering, repair costs for stationary objects and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your Express Cargo resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, a broken windshield, damage from getting keyed and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Express Cargo.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as EMT expenses, X-ray expenses, chiropractic care and pain medications. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay