How Much Does 2003 Chevrolet Express Cargo Car Insurance Cost?

Looking for better insurance coverage rates for your Chevrolet Express Cargo? Finding better insurance prices for a Chevy Express Cargo can turn out to be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the best way to get price quotes on a Chevy and obtain the lowest possible price.

How to save on Chevy Express Cargo insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be requested specifically before they will apply. If you’re not getting every credit available, you are throwing money away.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will bring down your overall premium however.

A partial list of companies who might offer these benefits include:

Check with each insurance company how you can save money. Some discounts might not apply in your area.

These factors can influence Chevy Express Cargo insurance rates

It’s important that you understand the factors that help determine the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

  • The more you drive the more you pay – Driving more miles in a year’s time the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Having the wrong rating on your Express Cargo can cost quite a bit. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If your Chevy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Older drivers pay less – Mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Youthful drivers have a tendency to be more careless in a vehicle therefore auto insurance rates are much higher.
  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages that can waste your money on your auto insurance policy. Coverages like rental car reimbursement, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don’t need them get rid of them and save.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions could help you determine if you will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • If I drive on a suspended license am I covered?
  • Do I need added coverage for expensive stereo equipment?
  • How do I buy GAP insurance?
  • How many claims can I have before being cancelled?
  • Does medical payments coverage apply to all occupants?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Buyer beware of insurance coverage advertising tricks

Consumers can’t ignore all the ads for cheaper car insurance by companies like Allstate and Progressive. All the ads say the same thing about savings if you change to them.

How can each company make almost identical claims?

All the different companies have a certain “appetite” for the type of driver that makes them money. A good example of a profitable customer might be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer who meets those qualifications will get very good rates and therefore will cut their rates substantially.

Drivers who don’t meet these standards will be charged a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s the way companies can advertise the way they do.

That is why drivers must compare many company’s rates. It’s not possible to predict which company will fit your personal profile best.

Specific coverage details

Knowing the specifics of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, funeral costs, pain medications, hospital visits and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This pays for damage to your Express Cargo resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, rolling your car and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability coverage

Liability insurance can cover damage or injury you incur to a person or their property. It protects you from legal claims by others. Liability doesn’t cover 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 limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like pain and suffering, structural damage, bail bonds, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Express Cargo.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, fire damage and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

More choices the merrier

Low-cost 2003 Chevy Express Cargo insurance is available both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered quite a bit of information on how to save on insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best prices are with some of the smallest insurance companies.

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. There have been many cases where someone dropped liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

Even more information can be read at these sites: