Cheaper 2017 Chevrolet Express Cargo Car Insurance Cost

I can’t think of anyone who is fond of buying auto insurance, especially when they are aware that their premiums are too high. Companies like Progressive, Geico and Farmers Insurance persitently shower you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

If you are insured now or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Vehicle owners just need to know the most efficient way to shop on the web.

Discounts for affordable insurance coverage quotes

Companies offering auto insurance don’t list all possible discounts in a way that’s easy to find, so below is a list a few of the more common and the more hidden insurance coverage savings.

• Auto/Home Discount – If you can bundle your homeowners and auto insurance with one insurance company you may earn over 10 percent off each policy depending on the company.
• Driver’s Education for Students – Require your teen driver to complete a driver education course if offered at their school.
• Claim Free – Drivers who don’t have accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts could see savings of up to 25% or more.
• Multiple Cars – Purchasing coverage when you have multiple cars with the same company can reduce rates for all insured vehicles.
• Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Defensive Driver Discount – Taking part in a defensive driver course is a good idea and can lower rates and also improve your driving technique.
• Senior Citizen Rates – If you qualify as a senior citizen, you could receive better insurance coverage rates on Express Cargo insurance.
• Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
• Own a Home and Save – Owning your own home or condo can save you money because maintaining a house is proof that your finances are in order.

One last thing about discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts should definitely cut your premiums.

To find insurance companies who offer discounts, click here to view.

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You may need specialized insurance coverage

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can help discover whether you may require specific advice.

• Is other people’s property covered if stolen from my vehicle?
• Should I waive the damage coverage when renting a car?
• Where can I find high-risk insurance?
• What is the difference between comprehensive and collision coverage?
• When can I cancel my policy?
• Does my medical payments coverage pay my health insurance deductible?
• Am I covered when driving in Canada or Mexico?
• Can my teen driver be rated on a liability-only vehicle?
• Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Is there truth in advertising?

Consumers get pounded daily by advertisements that claim the lowest premium rates from companies such as Progressive, Geico, Allstate and State Farm. They all advertise the message that drivers will save a bundle if you get a free insurance quote and switch your policy.

How does each company make the same claim? Here is the trick they use.

Different companies look for specific characteristics for the type of insured that earns them the highest profit. For instance, this type of driver could be between the ages of 40 and 55, has no tickets, and drives a car with an anti-theft system. Any person who meets those qualifications will probably get the lowest rates and will most likely pay quite a bit less when switching companies.

People who are not a match for this ideal profile will be quoted more expensive rates and the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” save that much money. That’s the way companies can truthfully make those claims. This really illustrates why it’s extremely important to compare quotes as often as possible. It’s just too difficult to predict which company will have the lowest rates for your situation.

Auto insurance specifics

Knowing the specifics of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, medical services and medical expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like hospital visits, pain medications and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Express Cargo.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hail damage, rock chips in glass, fire damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This will pay to fix damage to your Express Cargo caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

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Money doesn’t grow on trees

More affordable insurance is available from both online companies as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some companies may not offer online price quotes and many times these smaller providers sell through independent insurance agencies.

We covered a lot of tips how to lower your 2017 Chevy Express Cargo insurance premium rates. It’s most important to understand that the more you quote insurance, the higher your chance of finding affordable insurance. Consumers may even find the biggest savings come from a small mutual company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

Much more information about insurance can be read on the following sites:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• What Does No-Fault Insurance Cover? (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)

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