2000 Chevrolet Express Cargo Car Insurance Quotes – 8 Savings Tips

Locating the cheapest insurance for a Chevy Express Cargo can be an all-consuming task, but you can follow our insurance buying tips to make it easier.

There is a right way and a wrong way to find insurance online so you’re going to learn the absolute fastest way to price shop coverage for your Chevy and get the lowest price.

It’s a good habit to shop coverage around at least once a year since prices change frequently. Just because you found the best price on Express Cargo coverage on your last policy you will most likely find a better rate quote today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the proper way to reduce your cost while improving coverage.

Verify you’re getting every discount

Companies that sell car insurance don’t necessarily list their entire list of discounts very well, so the list below contains a few of the more common and also the more inconspicuous savings tricks you should be using when you buy car insurance online.

  • Lower Rates for Military – Having an actively deployed family member could mean lower rates.
  • Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Paperwork-free – A handful of larger companies will give a small break for signing up digitally online.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a lower premium rate if you buy some life insurance in addition to your auto policy.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn up to 20% and get you inexpensive car insurance.
  • No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on car insurance quote when compared with drivers with a long claim history.
  • Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.

Discounts lower rates, but some of the credits will not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that you could get a free insurance policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the discounts include:

  • GEICO policyholders can earn discounts including air bags, anti-theft, seat belt use, multi-vehicle, and five-year accident-free.
  • MetLife may include discounts for multi-policy, defensive driver, good student, accident-free, good driver, claim-free
  • Progressive has discounts for good student, continuous coverage, online signing, homeowner, online quote discount, and multi-vehicle.
  • Travelers offers discounts for good student, IntelliDrive, driver training, multi-car, payment discounts, home ownership, and new car.
  • SAFECO may have discounts that include teen safety rewards, anti-theft, accident prevention training, safe driver, multi-car, and anti-lock brakes.
  • AAA offers premium reductions for pay-in-full, good student, AAA membership discount, multi-car, anti-theft, education and occupation, and good driver.

When getting a coverage quote, ask each insurance company which discounts they offer. A few discounts may not be offered in your area. For a list of insurers who offer free insurance quotes, click this link.

Ways to get car insurance quotes

Performing a rate comparison is a ton of work if you don’t understand the fastest way to get free quotes. You could spend the better part of a day talking to insurance companies in your area, or you could use the web to get rates in a matter of minutes.

Most major companies take part in a program where insurance shoppers enter their policy data once, and at least one company can provide price quotes based on that information. This system prevents you from having to do quotation requests for every car insurance company.

To find out how much you can save on car insurance click here to start a free quote.

The one downside to comparing rates this way is you are unable to specify which providers you want to price. So if you prefer to choose individual companies to request quotes from, we have a page of low cost car insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but try to keep exactly the same quote data for every company. If your comparisons have different liability limits you will not be able to decipher which rate is best.

When should I discuss my situation with an agent?

When choosing adequate coverage, there really is not a one size fits all plan. Every situation is different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • What is the ISO rating for a 2000 Chevy Express Cargo?
  • What exactly is covered by my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Can I drive in Mexico and have coverage?
  • How can I get high-risk coverage after a DUI?
  • Do I need PIP coverage since I have good health insurance?
  • What is no-fault insurance?
  • Does liability extend to a camper or trailer?
  • Is motorclub coverage worth it?
  • Are my friends covered when driving my 2000 Chevy Express Cargo?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Beware of misleading car insurance ads

Drivers can’t avoid all the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. All the ads make the point about saving some big amount if you get a free car insurance quote and switch your policy.

How do they all save you money? You have to listen carefully.

All the different companies require specific criteria for the driver that earns them the highest profit. One example of this type of insured might be between the ages of 30 and 50, has had continuous coverage, and has excellent credit. A customer that hits that “sweet spot” is entitled to the best price as well as save a lot of money.

Potential customers who don’t meet the requirements will be charged higher rates and this can result in the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everyone that quotes” save money. This is how insurance companies can make claims that they all have the best rates.

This really emphasizes why it’s extremely important to do a rate comparison at every renewal. It’s just too difficult to predict the company that will be your best fit.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability

Liability insurance protects you from damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as pain and suffering, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Express Cargo.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

This will pay to fix damage to your Express Cargo from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, hitting a mailbox, crashing into a building, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from getting keyed, theft and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for things like rehabilitation expenses, ambulance fees, funeral costs, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Find Good Coverage for Less

As you shop your coverage around, do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford, but do not skimp to save money.

Some insurance providers do not provide the ability to get quotes online and most of the time these small, regional companies only sell through local independent agents. More affordable car insurance can be found on the web and from local agencies, and you should compare price quotes from both to have the best selection.

Drivers switch companies for many reasons like extreme rates for teen drivers, not issuing a premium refund, an unsatisfactory settlement offer and delays in paying claims. Whatever your reason, finding a new company is not as hard as you think.

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