2013 Chevrolet Express Cargo Insurance Quotes – 8 Policy Discounts

Want lower insurance coverage rates? Drivers have many options when trying to find affordable Chevy Express Cargo insurance. You can either spend your time calling around getting price quotes or utilize the internet to get rate quotes.

There is a right way and a wrong way to compare insurance coverage rates and you need to know the proper way to compare rates for a Chevy and obtain the lowest possible price.

Discounts to lower Chevy Express Cargo insurance rates

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but some must be asked for before being credited. If you’re not getting every credit available, you are throwing money away.

  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Express Cargo coverage with certain companies.
  • Low Mileage Discounts – Driving fewer miles can qualify you for a substantially lower rate.
  • Accident Free – Claim-free drivers can earn big discounts when compared to drivers who are more careless.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Senior Discount – If you’re over the age of 55, you may be able to get reduced rates for Express Cargo coverage.
  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will reduce your overall premium however.

For a list of insurers offering insurance discounts, follow this link.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • How much liability insurance is required?
  • How can I force my company to pay a claim?
  • When would I need rental car insurance?
  • Do I benefit by insuring my home with the same company?
  • Is business property covered if stolen from my car?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Switch companies and save? Really?

Consumers constantly see and hear ads that promise big savings from companies such as Progressive, Allstate and Geico. They all make the same claim that you’ll save big if you switch your policy.

How do they all make the same claim?

Insurance companies can use profiling for the type of driver they prefer to insure. For example, a driver they prefer could be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don’t measure up to the requirements must pay higher premiums which leads to the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much. That is how insurance companies can claim big savings.

This illustrates why you should quote coverage with many companies. Because you never know which insurance companies will give you the biggest savings on Chevy Express Cargo insurance.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability insurance – This can cover damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t 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. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like bail bonds, medical services, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, fire damage and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like surgery, ambulance fees, EMT expenses, dental work and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage will pay to fix damage to your Express Cargo caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Express Cargo.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

More quotes. Lower rates.

We just covered many tips how you can get a better price on 2013 Chevy Express Cargo insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies.

When shopping online for insurance, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best price.

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, poor customer service, questionable increases in premium and lack of trust in their agent. It doesn’t matter why you want to switch finding the right insurance provider can be pretty painless.

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