2003 Chevrolet Express Cargo Insurance Cost – 7 Policy Discounts

Searching for lower car insurance rates? Consumers have many options when looking for the best price on Chevy Express Cargo insurance. You can either spend your time calling around to compare prices or utilize the internet to compare rates.

There are more efficient ways to buy car insurance so you’re going to learn the proper way to compare rates on a Chevy and obtain the lowest possible price from both online companies and local agents.

How to buy auto insurance

Finding a better price on auto insurance is not rocket science. Drivers just need to take time comparing free insurance quotes from some recommended companies. Insurance prices can be quoted in several different ways.

  1. The best way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do repetitive form submissions for each company. In just a few minutes this one form gets rate comparisons from multiple companies. It’s definitely the quickest method.
  2. Another way to find more affordable insurance is to take the time to go to the website for every company you want to comare and repeat the quote process again and again. For instance, let’s say you want to view quotes from Auto-Owners, Liberty Mutual and Allstate. You would have to spend time going to each site individually and enter your information, which can get old fast. For a list of companies in your area, click here.

The approach you take is up to you, just ensure you are comparing the same coverage limits and deductibles for each price quote. If you have different liability limits you will not be able to decipher which rate is best.

Cheap auto insurance quotes with discounts

Companies offering auto insurance don’t necessarily list every policy discount in an easy-to-find place, so the next list breaks down a few of the more common and the harder-to-find discounts that you may qualify for.

  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
  • Military Deployment Discount – Having a deployed family member could be rewarded with lower auto insurance rates.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
  • Passive Restraints and Air Bags – Options like air bags can qualify for discounts of more than 20%.
  • No Charge for an Accident – Not really a discount, but certain companies will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear for a set time period.
  • Accident Free – Drivers with accident-free driving histories have much lower rates in comparison to drivers who are more careless.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive so companies give up to a 10% discount.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky.

Car insurance companies that may include some of the discounts shown above include:

When quoting, ask every company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area. To see a list of auto insurance companies that can offer you the previously mentioned discounts, click here.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Does medical payments coverage apply to all occupants?
  • What are the financial responsibility laws in my state?
  • If my 2003 Chevy Express Cargo is totaled, can I afford another vehicle?
  • Does coverage extend to Mexico or Canada?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?
  • Can my babysitter drive my car?
  • Do I need motorclub coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Car insurance 101

Understanding the coverages of your auto insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision – Collision coverage pays for damage to your Express Cargo caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for expenses for things like surgery, funeral costs and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive protection – This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, a tree branch falling on your vehicle and fire damage. The maximum payout your auto 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.

Auto liability insurance – This can cover damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Never pay more for less

Some insurance providers may not offer rate quotes online and most of the time these small, regional companies only sell coverage through independent insurance agencies. Budget-friendly auto insurance can be found from both online companies and with local insurance agents, so you should compare both to get a complete price analysis.

As you shop your coverage around, you should never buy less coverage just to save a little money. There have been many cases where someone dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We’ve covered a lot of tips how to lower your 2003 Chevy Express Cargo insurance car insurance rates. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with an unexpected company.

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