2003 Chevrolet Express Cargo Car Insurance Cost – 8 Savings Tips

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Finding lower premiums on insurance can seem to be a challenge for people who are new to comparing rates online. People have so many choices that it can turn into a big hassle to find the best price.

It’s important to check insurance prices occasionally because rates are constantly changing. Just because you had the best rates on Express Cargo coverage last year you will most likely find a better rate today. So just ignore everything you know about insurance because I’m going to teach you the best methods to properly buy coverages and cut your premium.

The quickest way to compare car insurance company rates is to understand most larger insurance companies allow for online access to compare rate quotes. The only thing you need to do is give them rating details like if it has an anti-theft system, what your job is, your credit rating estimate, and if the car is leased. The rating information is instantly submitted to many different companies and they return cost estimate within a short period of time.

Get lower rates on Chevy Express Cargo insurance

Companies offering auto insurance don’t always list all their discounts in a way that’s easy to find, so we researched both the well known and also the lesser-known ways to save on auto insurance.

  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings on auto insurance on Express Cargo coverage.
  • Own a Home – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Safe Drivers – Safe drivers may save up to 50% more on Express Cargo coverage than their less cautious counterparts.
  • Sign Early and Save – Some companies give discounts for switching policies before your current expiration date. It can save you around 10%.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Save over 55 – Mature drivers may qualify for a small decrease in premiums on Express Cargo coverage.
  • Paperwork-free – Some insurance companies give back up to $50 just for signing your application on their website.

Consumers should know that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of insurers offering auto insurance discounts, click here to view.

Tailor your coverage to you

When choosing coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if I break a side mirror?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need an umbrella policy?
  • Why do I need rental car insurance?
  • How can I force my company to pay a claim?
  • Is rental equipment covered for theft or damage?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Are you falling for claims of savings?

Companies like 21st Century, Allstate and State Farm regularly use television and radio advertisements. All the ads say the same thing that you can save if you move your coverage to them. How can each company claim to save you money?

All companies have a certain “appetite” for the type of customer that makes them money. For example, a profitable customer could possibly be over the age of 40, owns a home, and chooses high deductibles. Any driver who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Drivers who don’t measure up to these standards must pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can claim big savings. This illustrates why you should quote coverage with many companies. It’s not possible to predict the company that will give you the biggest savings on Chevy Express Cargo insurance.

The coverage is in the details

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, a broken windshield, damage from flooding, damage from getting keyed and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills like rehabilitation expenses, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision protection

This covers damage to your Express Cargo caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, driving through your garage door, backing into a parked car, crashing into a building and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability

This can cover injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, pain and suffering and legal defense fees. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Buy Smart and Save

Affordable 2003 Chevy Express Cargo insurance is possible on the web as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced liability coverage limits only to regret that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

We’ve covered a lot of ways to reduce insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

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

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