Cheaper 2015 Chevrolet Express Cargo Car Insurance Rates

Trying to find cheaper auto insurance rates for your Chevrolet Express Cargo? Finding the best price on auto insurance might seem complicated at first if you’re new to online quoting. Don’t let that stop you because there is an easy way to compare rates.

This information will instruct you on how to get online quotes and some tricks to saving. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Although drivers do need to learn the methods companies use to compete online and apply this information to your search.

Compare Auto Insurance Costs

When shopping for auto insurance there are multiple ways to get quotes and find the best price. The fastest way to find competitive 2015 Chevy Express Cargo insurance rates is to get quotes online. This can be done using a couple different methods.

  1. The single most time-saving way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating repetitive form entry for every auto insurance company. Completing one form will get you rate comparisons instantly. This is by far the quickest method.
  2. A slightly less efficient method to compare prices consists of visiting each company’s website and fill out their own quote form. For examples sake, let’s assume you want to compare rates from USAA, Liberty Mutual and State Farm. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The hardest method to compare rates is to spend your day driving to and from local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional advice that only a license agent can provide. It is possible to comparison shop online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverage limits and deductibles with every price quote. If each company quotes unequal deductibles or liability limits you will not be able to find the best deal for your Chevy Express Cargo. Just a small difference in coverage limits could mean much higher rates. It’s important to know that comparing more company’s prices helps locate a lower rate.

Don’t overlook these discounts

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but a few need to be specially asked for before you will receive the discount.

  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current expiration date. The savings is around 10%.
  • Paperless Signup – A few companies will give a small break simply for signing digitally online.
  • Homeowners Savings – Being a homeowner may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Express Cargo coverage with certain companies.
  • Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.

It’s important to understand that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any amount of discount will cut your overall premium however.

For a list of insurance companies who offer insurance coverage discounts, follow this link.

Is my situation unique?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • Is a fancy paint job covered?
  • Are my tools covered if they get stolen from my vehicle?
  • How can I get my company to pay me more for my totalled car?
  • How much liability do I need to cover my assets?
  • Is a blown tire covered by insurance?
  • Are my friends covered when driving my 2015 Chevy Express Cargo?
  • Which is better, split liability limits or combined limits?
  • When should I buy a commercial auto policy?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Why you might be paying too much to insure your Chevy Express Cargo

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

The list below includes some of the factors companies use to determine your rates.

  • Save money with special equipment – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Consolidate policies to earn discounts – The majority of insurers will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying car insurance from a different company.
  • Are you male or female? – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes cause accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like reckless driving and DUI.
  • Your occupation can affect rates – Careers like doctors, social workers and accountants tend to pay higher rates than average because of high stress and lengthy work days. On the flip side, professions such as actors, athletes and retirees have the lowest average rates for Express Cargo coverage.

Misconceptions in auto insurance advertisements

Auto insurance companies such as Allstate and Progressive consistently run ads on television and other media. They all seem to have a common claim about savings if you change to their company. But how can every company make the same claim? This is how they do it.

All the different companies can use profiling for the type of customer they prefer to insure. An example of a desirable insured might be between 30 and 50, has no prior claims, and has a high credit rating. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who fall outside the requirements will be charged higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save money. That is how companies can advertise the way they do.

That is why it’s extremely important to quote coverage with many companies. It’s not possible to predict which company will give you the biggest savings on Chevy Express Cargo insurance.

Detailed coverages of your insurance policy

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as X-ray expenses, EMT expenses, ambulance fees and surgery. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

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

Collision coverage pays for claims such as damaging your car on a curb, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, a tree branch falling on your vehicle, rock chips in glass, fire damage and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – This coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as funeral expenses, legal defense fees, medical services and structural damage. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Express Cargo.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

More quotes mean more savings

Low-cost 2015 Chevy Express Cargo insurance is available both online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

In this article, we covered a lot of information how to shop for insurance online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. You may even discover the biggest savings come from the least-expected company.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to discover later that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate.

Much more information about insurance is located on the following sites: