2017 Chevrolet Express Cargo Insurance Quotes – 9 Savings Tips

When shopping for cheaper insurance, are you confused by the sheer number of car insurance companies available to you? Many other drivers are as well. There are so many companies available that it can be a real hassle to find a more affordable company.

You should take the time to compare premium rates periodically because prices are usually higher with each renewal. If you had the lowest price on Express Cargo insurance a couple years back you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to learn the fastest and easiest way to save on car insurance.

If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. The purpose of this article is to let you in on the best way to quote coverages and some tricks to saving. Nevertheless, drivers can benefit by having an understanding of how insurance companies sell insurance online.

The best way to compare rate quotes is to know the fact all the major auto insurance companies will pay a fee to give free rates quotes. All you need to do is provide a small amount of information like the ages of drivers, if you are currently licensed, daily mileage, and how much coverage you want. That information is instantly sent to many of the top insurers and they return cost estimate quickly.

If you would like to start a quote now, click here then complete the form.

Nine discounts for affordable auto insurance rates

Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply at the time of purchase, but some discounts are required to be asked about before you will receive the discount.

  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Good Grades Discount – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up to age 25.
  • Low Miles Discount – Low annual miles may allow you to get discounted prices on garaged vehicles.
  • ABS Brakes – Cars and trucks with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
  • Multi-Vehicle Discounts – Insuring several vehicles with the same auto insurance company could earn a price break for each car.
  • Defensive Driver – Taking part in a defensive driver course may get you a small discount and also improve your driving technique.
  • Discount for Home Ownership – Simply owning a home can save you money since owning and maintaining a home shows financial diligence.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

A list of auto insurance companies and the discounts they provide can be found below.

  • State Farm discounts include good student, student away at school, good driver, driver’s education, safe vehicle, defensive driving training, and anti-theft.
  • Farmers Insurance includes discounts for homeowner, alternative fuel, early shopping, good student, and mature driver.
  • Progressive may include discounts for online signing, multi-policy, multi-vehicle, online quote discount, and continuous coverage.
  • GEICO has savings for seat belt use, military active duty, multi-vehicle, defensive driver, emergency military deployment, driver training, and multi-policy.
  • Auto-Owners Insurance policyholders can earn discounts including safe vehicle, paid in full, air bags, anti-theft, and paperless.
  • The Hartford may have discounts that include anti-theft, driver training, air bag, defensive driver, good student, and vehicle fuel type.
  • Farm Bureau has discounts for 55 and retired, multi-vehicle, multi-policy, youthful driver, and good student.
  • USAA offers discounts including multi-policy, good student, military installation, safe driver, and new vehicle.

Before purchasing a policy, check with each insurance company how you can save money. Savings may not apply to policyholders everywhere. If you would like to view insurers who offer free auto insurance quotes, follow this link.

You may need specialized insurance coverage coverage

When buying proper insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Should I bundle my homeowners policy with my auto?
  • Should I buy only the required minimum liability coverage?
  • When should I not file a claim?
  • Can I drive in Mexico and have coverage?
  • Is my custom paint covered by insurance?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverages explained

Knowing the specifics of car insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive car insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass, damage from a tornado or hurricane and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as emergency aid, pain and suffering, loss of income, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses like X-ray expenses, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, scraping a guard rail, rolling your car, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

The bottom line

Throughout this article, we presented quite a bit of information on how to reduce 2017 Chevy Express Cargo insurance prices online. The key concept to understand is the more companies you get rates for, the better likelihood of getting affordable insurance coverage. You may be surprised to find that the biggest savings come from the smaller companies.

A few companies do not offer online price quotes and many times these regional carriers work with independent agents. Cheaper 2017 Chevy Express Cargo insurance can be sourced online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money.

Drivers who switch companies do it for many reasons like extreme rates for teen drivers, poor customer service, being labeled a high risk driver and high prices. Regardless of your reason for switching companies, choosing a new company is easier than you think.

Additional insurance coverage information can be read on the following sites: