Cheaper 2006 Chevrolet Express Cargo Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Chevrolet Express Cargo? Are you tired of being strong-armed to insure your Chevy every month? You are in the same boat as many other consumers.

Because you have many options when it comes to auto insurance, it is hard for the average consumer to pick the best car insurance company.

The purpose of this article is to introduce you to the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you should be able to save some money using this strategy. Nevertheless, consumers must comprehend the way companies price insurance differently and apply this information to your search.

Discounts mean cheaper 2006 Chevy Express Cargo insurance rates

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be asked about before they will apply.

  • No Claims – Good drivers with no accidents pay less when compared with bad drivers.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates on Express Cargo coverage.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Air Bag Discount – Cars that have air bags can receive discounts of 20% or more.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But all discounts will reduce the amount you have to pay.

To see a list of providers with the best auto insurance discounts, click here to view.

Impacting insurance rates for a Chevy Express Cargo

Smart consumers have a good feel for the factors that help determine your insurance rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are some of the factors used by your company to calculate rates.

  • A clean driving record saves money – Good drivers get better rates than their less careful counterparts. Even a single moving violation can increase rates twenty percent or more. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • With age comes lower rates – Older drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers are statistically proven to be less responsible behind the wheel therefore insurance rates are much higher.
  • Credit scores impact insurance rates – Having a bad credit history is a big factor in calculating your insurance rates. So if your credit history is not that good, you could be paying less to insure your 2006 Chevrolet Express Cargo by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores.
  • Your stress level may be raising your rates – Jobs such as judges, executives and dentists are shown to have the highest average rates because of high stress levels and lengthy work days. Other occupations such as actors, historians and the unemployed pay the least on Express Cargo coverage.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. They both are in accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as reckless driving.
  • Add-on coverages can add up – There are a lot of additional coverages that can waste your money on your insurance policy. Coverages for vanishing deductibles, accident forgiveness and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Save money with special equipment – Choosing a vehicle with an alarm system can get you a discount on your insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions might help in determining if your insurance needs could use an agent’s help.

  • What is the minimum liability in my state?
  • Am I covered if my car is in a flood?
  • How can I get high-risk coverage after a DUI?
  • Does my 2006 Chevy Express Cargo qualify for pleasure use?
  • Is my camper covered by my car insurance policy?
  • Is pleasure use cheaper than using my 2006 Chevy Express Cargo to commute?
  • At what point should I drop full coverage?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Slick advertising tricks that work

Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies make an identical promise of big savings if you change your policy. But how can every company say the same thing? This is how they do it.

All companies can use profiling for the right customer that is profitable for them. An example of a profitable customer might be profiled as between 30 and 50, is a homeowner, and chooses high deductibles. Any driver who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for these standards will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently advertise the way they do.

Because of the profiling, drivers must compare many company’s rates. You cannot predict which insurance coverage company will have the lowest Chevy Express Cargo insurance rates.

Car insurance coverages for a Chevy Express Cargo

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.


This protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as pain and suffering, repair costs for stationary objects, funeral expenses, attorney fees and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include 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 liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Coverage for collisions

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

Collision insurance covers claims such as crashing into a building, hitting a parking meter, rolling your car, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a tree branch falling on your vehicle, damage from getting keyed, fire damage and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses such as prosthetic devices, pain medications, nursing services and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

More quotes mean more savings

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

The cheapest 2006 Chevy Express Cargo insurance can be bought from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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