How Much Does 2012 Chevrolet Express Cargo Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 30, 2024

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Want better car insurance rates for your Chevrolet Express Cargo? Being forced to pay for pricey car insurance premiums can diminish your funds and put a big crunch on your finances. Price shopping at each renewal can save money and help to lower your monthly bill.

Many insurers compete for your business, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rates possible.

It’s a good habit to do rate comparisons yearly because rates change quite often. Just because you found the best premium rates on Express Cargo coverage a couple years back you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.

If you have a policy now or are shopping for new coverage, you can use this information to cut your premiums and still get good coverage. Finding the best rates is easy if you know what you’re doing. Consumers just need to learn the tricks to compare price quotes on the web.

Discounts for cheap car insurance rates

Auto insurance companies don’t always advertise the entire discount list very clearly, so below is a list both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

  • Own a Home and Save – Just owning your own home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Bundle and Save – If you can combine your home and auto policy with one company you may save 10% to 20% off each policy.
  • Low Mileage – Low annual miles may enable drivers to earn better rates on cars that stay parked.
  • Air Bag Discount – Factory options such as air bags or motorized seat belts may get savings of 25 to 30%.
  • Distant Student Discount – Older children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Memberships – Joining qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.

Remember that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

Some of the insurance companies who may offer most of these discounts include:

  • State Farm
  • Liberty Mutual
  • American Family
  • Progressive
  • Farmers Insurance
  • Auto-Owners Insurance

Before buying, ask every prospective company what discounts are available to you. Discounts may not apply everywhere. If you would like to choose from a list of companies who offer cheap car insurance quotes, enter your zip code here.

The quickest method we recommend to get policy rate comparisons takes advantage of the fact auto insurance companies will pay a fee to give you rate quotes. All you need to do is spend a couple of minutes providing details like if you went to college, if it has an alarm system, the year, make and model of vehicles, and whether you drive to work or school. The rating information gets transmitted to insurance companies and they respond with quotes immediately.

To find the cheapest Chevy Express Cargo insurance rates, click here and find out if you can get cheaper insurance.

Lower your insurance rates

A large part of saving on auto insurance is knowing the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower rates.

  • Defend yourself with liability protection – A critical coverage on your policy, liability insurance will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage to defend your case. Liability is cheap compared to comp and collision, so buy as much as you can afford.
  • A good credit history can save money – Having a bad credit history is a big factor in calculating your premium rate. If your credit rating is lower than you’d like, you could pay less to insure your 2012 Chevrolet Express Cargo by spending a little time repairing your credit. People with very high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit ratings.
  • Teenage drivers are expensive to insure – More mature drivers are viewed as being more responsible, are lower risk to insure and receive fewer citations. Young drivers are statistically shown to be inattentive in a vehicle therefore auto insurance rates are much higher.
  • Gender matters – The statistics show that females tend to be a little less risky than males. It does not mean women are better drivers. Women and men are in at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets like driving under the influence (DUI).
  • Location can affect price – Having an address in a small town is a good thing when trying to find low car insurance rates. Lower population translates into fewer accident claims and lower theft and vandalism rates. Urban drivers have to deal with congested traffic and longer commute times. Longer commute distances statistically corresponds to a higher accident and claim rate.
  • Avoid tickets and save – A bad driving record impacts your car insurance rates tremendously. Good drivers get better rates compared to drivers with tickets. Only having one speeding ticket or other violation can bump up the cost by as much as twenty percent. Drivers who have license-revoking violations like hit and run, DWI or reckless driving convictions may find that they have to to complete a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • Am I covered if I crash into my own garage door?
  • Does my policy cover my teen driver if they drive my company car?
  • When should I not file a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • How much can I save by bundling my policies?
  • Is my 2012 Chevy Express Cargo covered for flood damage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and enter your zip code. It’s fast, free and may give you better protection.

But they said I’d save $459 a year!

Consumers can’t escape the ads that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to seem to make the promise that you can save after switching your coverage.

That’s great but how can every company lower your car insurance rates?

Auto insurance companies provide the lowest rates for a prospective insured that will be a good risk. A good example of a desirable insured should be over the age of 50, has no claims, and drives newer vehicles. Anybody who matches that profile will get the preferred rates and have a good chance to save when switching.

People who don’t meet the requirements may be required to pay a higher rate and the customer not buying. Company advertisements say “people who switch” not “all people who quote” save that much when switching. This is how insurance companies can confidently make it sound like they have such great premium rates.

Because of this risk profiling, you really should do a price quote comparison at every renewal. It’s just not possible to know which insurance companies will fit your personal profile best.

The coverage is in the details

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Collision protection

Collision insurance will pay to fix damage to your Express Cargo from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as ambulance fees, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Chevy Express Cargo.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, rock chips in glass, vandalism and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as court costs, repair bills for other people’s vehicles, structural damage and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Never pay more for less

The cheapest 2012 Chevy Express Cargo insurance can be purchased from both online companies as well as from independent agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some companies may not provide internet price quotes and usually these smaller providers only sell through local independent agencies.

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability coverage limits only to discover later that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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