How Much Does 1999 Chevrolet Express Cargo Insurance Cost?

Finding affordable auto insurance can seem to be a challenge for people who are new to comparison shopping online. People have so many companies to choose from that it can quickly become a lot of work to locate the lowest price.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. This information will familiarize you with how to effectively get price quotes and some money-saving tips. Although drivers must know the way insurance companies price insurance differently and take advantage of how the system works.

Take discounts and save

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so we researched some of the more common as well as the least known discounts you could be receiving.

  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • E-sign – A few companies give back up to $50 simply for signing online.
  • Bundle and Save – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Express Cargo coverage with certain companies.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like you can get free auto insurance, you won’t be that lucky.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask each insurance company how you can save money. Savings may not apply everywhere.

How to Lower Your Insurance Cost

There are multiple methods you can shop for 1999 Chevy Express Cargo insurance but one way is more efficient than others. You could spend your day talking about coverages with insurance companies in your area, or you could save time and use online quoting to get prices fast.

Most of the larger companies belong to an insurance system where insurance shoppers submit their information once, and each participating company then returns a price quote for coverage. This eliminates the need for form submissions for each company. To get comparison pricing now click here to start a free quote.

The only downside to using this type of system is you cannot specify which insurance companies you will receive quotes from. So if you prefer to choose specific providers to compare, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just compare identical coverage information for each comparison quote. If you are comparing different values for each quote it will be next to impossible to find the best deal for your Chevy Express Cargo. Having just a slight variation in limits can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes helps you find the best rates.

Factors determining your Chevy Express Cargo insurance premium

Smart consumers have a good feel for the rating factors that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The list below includes a few of the “ingredients” used by your company to calculate prices.

  • Having a spouse can save you money – Having a wife or husband actually saves money on your policy. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Better crash test results mean better rates – Safer cars can get you lower premiums. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Chevy Express Cargo earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you if you are found liable for personal injury or accident damage. Liability provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Better credit means lower rates – Your credit score is a big factor in calculating your car insurance rates. Therefore, if your credit rating is lower than you’d like, you could be paying less to insure your 1999 Chevrolet Express Cargo by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Where you live – Living in a rural area has it’s advantages when insuring your vehicles. Lower population translates into fewer accidents as well as less vandalism and auto theft. Urban drivers regularly have congested traffic and a longer drive to work. Higher commute times translates into higher accident risk.
  • Proper usage rating affects rates – The more miles you rack up on your Chevy in a year the higher your rate. Most companies apply a rate based on their usage. Vehicles that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy is rated on how each vehicle is driven. If your policy improperly rates your Express Cargo can result in significantly higher rates.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation may require specific advice.

  • Does my insurance cover my expensive audio equipment?
  • What if I total my 1999 Chevy Express Cargo and owe more than it’s worth?
  • Am I covered when driving in Canada or Mexico?
  • Should I have a commercial auto policy?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving someone else’s vehicle?
  • Can I afford low physical damage deductibles?
  • How can I force my company to pay a claim?
  • Do I have newly-aquired coverage?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Do you really save 40% when you switch?

Auto insurance providers like State Farm, GEICO and Progressive regularly use ads on TV and radio. They all have a common claim about savings if you move to their company. But how can every company say the same thing?

Different companies have a certain “appetite” for the right customer that makes them money. For instance, a driver they prefer might be a mature driver, has no tickets, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get the preferred rates and therefore will save when they switch companies.

Drivers who don’t qualify for the requirements will be quoted higher prices which leads to business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully make the claims of big savings. This emphasizes why you absolutely need to get a wide range of price quotes. It’s not possible to predict which auto insurance company will fit your personal profile best.

Auto insurance coverage options for a 1999 Chevy Express Cargo

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for pain medications, chiropractic care, dental work and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Express Cargo.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision – Collision coverage covers damage to your Express Cargo caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, colliding with a tree, driving through your garage door, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, vandalism, theft, hitting a deer and damage from a tornado or hurricane. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as attorney fees, legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Better coverage you can count on

When you buy insurance online, never buy poor coverage just to save money. There have been many situations where someone sacrificed collision coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of techniques to shop for 1999 Chevy Express Cargo insurance online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a lesser-known regional company.

People change insurance companies for any number of reasons including policy cancellation, delays in responding to claim requests, high rates after DUI convictions and an unsatisfactory settlement offer. Regardless of your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

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