How Much Does 2013 Chevrolet Express Cargo Insurance Cost?

Searching for better insurance prices for a Chevy Express Cargo can normally be an all-consuming task, but you can follow our insurance buying tips to save time.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the quickest way to get price quotes for your Chevy and get the lowest price.

It is always a good idea to compare premium rates as often as possible due to the fact that insurance prices change regularly. Even if you think you had the best price for Express Cargo coverage two years ago you will most likely find a better rate quote today. Block out anything you think you know about insurance because I’m going to teach you the best methods to reduce your cost while increasing coverage.

How to lower your auto insurance cost

Effectively comparing auto insurance prices can be a lot of work if you don’t know the easiest way. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use the web to get rates in a matter of minutes.

Many popular insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company then returns a price quote for coverage. This saves time by eliminating form submissions to each individual auto insurance company. To participate in this free quote system, click to open in new window.

The one downside to getting quotes like this is that consumers can’t choose which companies you will receive quotes from. So if you want to select individual companies to compare, we have a listing of auto insurance companies in your area. Click to view list.

Compare rates however you want, just compare exactly the same coverages on every quote. If you have mixed coverages you can’t possibly make an equal comparison.

Discounts can really help lower rates

Companies that sell car insurance don’t necessarily list the entire discount list very clearly, so the list below contains a few of the more well known as well as the least known discounts that you may qualify for.

  • Accident Forgiveness Coverage – Not really a discount, but certain companies will forgive one accident before they charge you more for coverage as long as you don’t have any claims for a certain period of time.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Low Miles Discount – Low annual miles could qualify for slightly better prices than normal.
  • No Claim Discounts – Insureds who avoid accidents and claims get the best car insurance rates as opposed to drivers with a long claim history.
  • Passenger Safety Discount – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.

You can save money using discounts, but most discounts do not apply the the whole policy. Some only apply to individual premiums such as comprehensive or collision. Even though it appears you could get a free car insurance policy, you won’t be that lucky.

To view insurance companies with the best car insurance discounts, click here.

How your Express Cargo insurance rates are determined

Smart consumers have a good feel for a few of the rating criteria that help determine the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that could result in better insurance rates.

  • Discounts for married couples – Being married helps lower the price compared to being single. It is viewed as being more financially stable and statistics prove married drivers get in fewer accidents.
  • More policies can equal more savings – Most insurance companies give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, it’s always a smart idea to check prices from other companies to help ensure you have the lowest rates.
  • Urban areas may pay more – Choosing to live in a rural area is a good thing when talking about insurance. Less people living in that area corresponds to lower accident rates and a lower car theft rate. City drivers have congested traffic and higher rates of accident claims. More time behind the wheel can result in more accidents.
  • Avoid insurance policy lapses – Not maintaining insurance is not a good idea and you will pay a penalty because you let your insurance lapse. In addition to paying higher rates, failure to provide proof of insurance can result in fines or a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department.
  • Don’t cut corners with liability protection – A critical coverage on your policy, liability insurance is the protection if ever you are found liable for an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not cut corners here.
  • Where do you drive? – The more you drive annually the more you’ll pay to insure it. Most companies apply a rate based upon how you use the vehicle. Cars that have low annual miles get more affordable rates compared to those used for work or business. It’s always a good idea to double check that your insurance coverage states annual mileage. A policy that improperly rates your Express Cargo is just wasting money.

Will just any policy work for me?

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my insurance cover a custom paint job?
  • Am I missing any policy discounts?
  • What is the difference between comprehensive and collision coverage?
  • Can I still get insurance after a DUI?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Big brands don’t always mean big savings

Drivers constantly see and hear ads for auto insurance savings from companies such as 21st Century, Allstate and State Farm. All the ads seem to make the promise of big savings if you move your auto insurance policy to them.

It sounds good, but how can they all give you a better price?

All companies give the best rates for the type of driver they prefer to insure. A good example of a driver they prefer could be married and over the age of 30, has no tickets, and has excellent credit. Anybody who fits those characteristics will get a cheap rate quote and will most likely save if they switch.

Consumers who don’t qualify for these stringent criteria may receive higher rates and business going elsewhere. The ads say “people that switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make it sound like they have such great premium rates.

Because each company has a different risk profile, drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will have better car insurance rates than you’re paying now.

Detailed coverages of your insurance policy

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Coverage for collisions

This pays for 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 can pay for things such as crashing into a ditch, scraping a guard rail, crashing into a building, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, vandalism and fire damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, medical expenses, bail bonds, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like nursing services, X-ray expenses and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

A tidy conclusion

People switch companies for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, policy cancellation or high prices. No matter why you want to switch, finding a great new company is easier than you think.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Cheap 2013 Chevy Express Cargo insurance is definitely available both online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not have online rate quotes and these regional carriers only sell through local independent agencies.

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