2010 Chevrolet Express Cargo Car Insurance Rates – 5 Policy Discounts

Trying to find lower insurance rates for your Chevrolet Express Cargo? Are you confused by the dozens of insurance options? Many other drivers are as well. Consumers have so many options available that it can quickly become a ton of work to compare prices.

It’s important to price shop coverage on a regular basis since rates tend to go up over time. Even if you got the lowest price on Express Cargo insurance last year there may be better deals available now. You’ll find quite a bit of inaccurate information about insurance online but by reading this article, you’re going to learn some good information on how to buy insurance cheaper.

Buying car insurance is not that difficult. In a nutshell, every driver who buys insurance stands a good chance to be able to cut their insurance bill. Nevertheless, drivers can benefit by having an understanding of how companies sell online.

Compare Car Insurance Today

All major car insurance companies allow you to get price estimates on the web. This process is quite simple as you just enter your required coverages into a form. Once you submit the form, the system collects your driving and credit reports and provides a quote based on these and other factors.

This makes it a lot easier to compare rates but the time required to go to many different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to do this in order to find a better rate.

There is an easier way!

The easiest way to compare rates utilizes a single form to obtain quotes from several companies at one time. It saves time, reduces the work, and makes online quotes much more efficient. As soon as you send your information, your coverage is rated and you can select any one of the quote results. If you find a better price you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you input deductibles and limits identical to your current policy. Doing this assures you will receive rate quotes based on the exact same insurance coverage.

These five discounts can lower your rates

Companies don’t necessarily list every available discount very well, so we took the time to find some of the best known and the harder-to-find auto insurance savings.

  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
  • New Car Discount – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Driver’s Ed – Have your child complete a driver education course if offered at their school.

Drivers should understand that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

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

Different people need different coverages

When it comes to buying coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Is rental equipment covered for theft or damage?
  • Am I covered if I wreck a rental car?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I break a side mirror?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when delivering products for my home-based business?
  • Do I need rental car coverage?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Parts of your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. 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. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as attorney fees, court costs, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, hospital visits, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision – Collision insurance will pay to fix damage to your Express Cargo from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, crashing into a building, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy Express Cargo.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.