2021 Chevrolet Express Cargo Insurance Quotes 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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High-priced car insurance can deplete your accounts and force you to make sacrifices. Vehicle owners have multiple insurers to insure vehicles with, and although it’s a good thing to have a selection, so many choices can make it hard to locate the cheapest rates.

The purpose of this post is to help you learn the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will be able to save some money using these tips. Drivers just need to know the proper way to find the lowest price on the web.

These discounts can lower your insurance rates

Auto insurance companies do not list every policy discount in an easy-to-find place, so below is a list a few of the more common and the harder-to-find credits available to lower your premiums when you buy auto insurance online. If they aren’t giving you every credit available, you could be getting lower rates.

  • Defensive Driver Discount – Taking part in a defensive driver class could earn you a small percentage discount and also improve your driving technique.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
  • Drive Less and Save – Driving less may allow you to get lower insurance rates due to less chance of an accident.
  • Discount for New Cars – Insuring a new car can save you some money due to better safety requirements for newer vehicles.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save a little on the medical payments or PIP coverage costs.
  • Paper-free Discount – A few larger online companies will provide an incentive for buying your policy digitally online.
  • Multi-line Discount – Larger insurance carriers have a small discount if you purchase life insurance.
  • Good Student – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Air Bags and Passive Restraints – Factory air bags or motorized seat belts can receive discounts up to 30%.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears you can get free auto insurance, it just doesn’t work that way.

If you would like to see a list of companies that offer multiple discounts, enter your zip code here.

Cheap auto insurance price quotes

All the larger auto insurance companies like GEICO, State Farm and Progressive make it easy to get price estimates direct online. Doing online quotes is fairly simple as all you need to do is type in the coverages you want into the quote form. Behind the scenes, their quoting system automatically orders your credit score and driving record and gives you a price quote determined by many factors. Quoting online makes it simple to compare prices but the process of having to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s also necessary to do this if you want to find a lower rate.

A better way to locate the lowest prices requires only one form to get prices from many companies. It’s a real time-saver, helps eliminate repetitive entry, and makes rate comparisons much easier. After sending your information, your coverage is rated with multiple companies and you can pick any or none of the returned quotes.

If the quotes result in lower rates, you simply finish the application and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.

To use this form to compare rates, simply enter your zip code here and input your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles exactly as shown on your declarations page. Doing this assures you will receive comparison quotes for similar coverage.

Components of your Chevy Express Cargo insurance premiums

It’s important that you understand the different types of things that aid in calculating your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you big savings. Multiple criteria are used in the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although some other factors are not quite as obvious such as your marital status or how financially stable you are.

  • Only buy incidental coverages you need – There are a lot of extra add-on coverages that can add up on your car insurance policy. Coverages like rental car coverage, towing coverage, and motor club memberships could be just wasting money. These may sound like a good investment initially, but if they’re wasting money remove them from your policy.
  • Tickets and citations cost more than a fine – A bad driving record has a huge affect on how much you pay. Even a single chargeable violation may increase your cost to the point where it’s not affordable. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Drivers who have serious violations such as DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive a vehicle.
  • Credit rating impacts premium prices – Credit rating can be an important factor in your rate calculation. Therefore, if your credit score can use some improvement, you may save money insuring your 2021 Chevrolet Express Cargo if you improve your credit rating. Drivers who have excellent credit tend to be more responsible than those with lower ratings.
  • Drive less and save – The higher the mileage driven each year the more it will cost to insure it. Most companies calculate rates based upon how much you drive. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your Express Cargo is just wasting money. Double check that your vehicle rating reflects annual mileage.
  • Premiums may be higher where you live – Choosing to live in a small town can save you money when talking about car insurance. City drivers regularly have more aggressive driving styles and much longer commute distances. Fewer people means fewer accidents as well as less vandalism and auto theft.

Different people need different insurance coverage coverages

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • What is no-fault insurance?
  • Is Motor Club coverage worth it?
  • Am I covered by my spouse’s policy after a separation?
  • Should I buy only the required minimum liability coverage?
  • Will my rates increase for filing one claim?
  • How high should deductibles be on a 2021 Chevy Express Cargo?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete your zip code. It is quick, free and may give you better protection.

Advertising and insurance

Consumers can’t get away from ads that promise big savings for switching by GEICO, State Farm and Progressive. They all seem to tend to make the same promise that drivers can save some big amount after switching your insurance policy to them.

That’s great but how can every company charge lower premium rates? It’s all in the numbers.

Most companies quote their best rates for the type of driver that is profitable for them. For example, this type of insured should be a female over age 40, has a low-risk occupation, and drives less than 5,000 miles a year. A customer that fits those parameters will get a cheap rate quote and will also save some money.

People who do not meet these criteria will be charged a higher rate with the end result being the driver buying from a lower-cost company. The trick is to say “customers who switch” not “everyone who quotes” can save as much as they claim. That is how companies can truthfully claim big savings.

That is why drivers should do a rate comparison at every renewal. It is impossible to predict with any certainty which company will have the lowest rates.

Specifics of your car insurance policy

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 2021 Chevy Express Cargo.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like doctor visits, surgery, chiropractic care, funeral costs and hospital visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects and damage from getting keyed. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, emergency aid, legal defense fees, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Be a money saver!

The cheapest 2021 Chevy Express Cargo insurance can be sourced from both online companies and from local insurance agents, and you should be comparing both so you have a total pricing picture. A few companies may not have online rate quotes and usually these smaller companies only sell through independent agents.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, someone dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

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