2011 Chevrolet Express Cargo Insurance Quotes

Expensive insurance can drain your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to cut your insurance bill. You have so many car insurance companies to pick from, and even though it’s nice to be able to choose, it can be more challenging to find the lowest rates.

It’s a good idea to get comparison quotes occasionally because insurance rates are constantly changing. Just because you had the best price on Express Cargo insurance two years ago you can probably find a better price now. Starting now, forget anything you know (or think you know) about insurance because I’m going to teach you the quickest way to lower your annual insurance bill.

Buying cheaper protection is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. Drivers just need to know the best way to find the lowest price on the web.

How to Get Insurance Comparison Quotes

Finding a better price on insurance can be surprisingly simple. The only thing you need to do is take time getting comparison quotes provided by online insurance companies. This can be done in a couple of different ways.

  1. The fastest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form keeps you from doing boring form submissions to each individual insurance company. Just one form gets you price quotes instantly.
  2. Another way to find lower rates is to manually visit each individual company website and request a quote. For example, we’ll assume you want to compare rates from Allstate, Esurance and State Farm. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The hardest method to get comparison rates is driving around to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance of a local agent. You can, however, find lower rates online and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, make darn sure you compare the exact same coverages and limits on every quote you get. If the quotes have different deductibles you will not be able to determine which rate is truly the best.

Pay less by taking advantage of discounts

Insuring your fleet can be pricey, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but some must be manually applied before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Early Signing – A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will help reduce your premiums.

To see a list of insurance companies with the best insurance discounts, click here.

Chevy Express Cargo premiums are determined by many factors

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with big savings.

  • Choose a safe vehicle and save – Safer cars tend to have better insurance rates. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If the Chevy Express Cargo has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Teen drivers pay high rates – Young drivers are known to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.
  • Add-on coverages can add up – There are many extra coverages you can purchase when buying auto insurance. Things like personal injury protection, better glass coverage and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Having a spouse can save you money – Having a spouse can get you a discount on auto insurance. It is viewed as being more responsible and statistics show married couples file fewer claims.
  • Do you qualify for a multi-policy discount? – Many insurers will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by buying auto insurance from a different company.
  • Your occupation can affect rates – Careers like real estate brokers, architects and stock brokers tend to pay the highest rates due to stressful work requirements and long work hours. On the other hand, jobs such as farmers, students and the unemployed have the lowest average rates on Express Cargo insurance.

Your coverage should be tailored to you

When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • How much liability do I need to cover my assets?
  • Who is covered when they drive my 2011 Chevy Express Cargo?
  • When should I not file a claim?
  • Do I need added coverage for expensive stereo equipment?
  • Am I insured when driving a different vehicle?
  • Do I pay less for low miles?
  • Is extra glass coverage worth it?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Ads can be misleading

Consumers can’t ignore all the ads that promise big savings by companies like Geico, State Farm and Progressive. They all seem to say the same thing of big savings if you change to them.

How can each company claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that is profitable for them. A good example of a preferred risk might be profiled as a mature driver, has no driving citations, and chooses high deductibles. A customer that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay higher rates which leads to the customer not buying. The ad wording is “customers who switch” not “people who quote” save that much money. That’s why insurance companies can state the savings.

Because of the profiling, you absolutely need to compare as many rates as you can. You cannot predict which insurance coverage company will have the lowest Chevy Express Cargo insurance rates.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird, hitting a deer, a broken windshield and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

This coverage protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, emergency aid, attorney fees, repair costs for stationary objects and legal defense fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2011 Chevy Express Cargo.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like prosthetic devices, doctor visits and surgery. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Compare but don’t skimp

When shopping online for insurance coverage, make sure you don’t skimp on coverage in order to save money. In too many instances, someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

In this article, we presented quite a bit of information on how to shop for 2011 Chevy Express Cargo insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on insurance coverage is with a small mutual company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

For more information, take a look at the resources below: