2022 Chevrolet Express Cargo Insurance Cost in 2024 – 7 Tips to Save

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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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Pretty sure you bought an overpriced insurance coverage policy? Don’t feel bad because there are lots of residents who feel the same. Multiple insurers compete for your business, so it’s not easy to compare every provider to discover the definitive lowest price

If you have insurance now or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Consumers only need an understanding of the proper methods to compare rates over the internet.

Finding car insurance

Cutting your car insurance rates is surprisingly easy. The only requirement is to spend a few minutes comparing free car insurance quotes to discover which company has the cheapest car insurance quotes. It’s really simple and can be done using a couple different methods.

The recommended way to compare a lot of rates at once is to use a rate comparison form. This form keeps you from doing repetitive form entry to each individual car insurance company. One simple form will return price quotes from all major companies.

A more difficult way to compare prices requires a visit to each individual company website and get a separate price quote. For examples sake, let’s assume you want to compare rates from GEICO, Allstate and GMAC. To find out each rate you need to spend time going to each site individually and enter your information, which can get rather old.

The most time-consuming method of comparing rate quotes is calling or driving to and from local insurance agencies. Comparing online rate quotes reduces the need to sit down with an agent unless you want the guidance that only an agent can give. However, consumers can obtain prices from the web but buy from a local insurance agent.

Whichever method you choose, make darn sure you compare exactly the same coverage data on every quote you get. If you enter different deductibles it will be nearly impossible to determine which rate is truly the best.

Insurance policy discounts you can’t miss

Auto insurance companies don’t always advertise every discount available very well, so we researched some of the more common as well as the least known discounts that you may qualify for. If you don’t get every credit you deserve, you are paying more than you should be.

  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
  • Low Mileage Discounts – Low mileage vehicles could earn better prices on cars that stay parked.
  • Telematics Discount – Insureds that choose to allow their company to spy on their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.
  • Claim-Free Discount – Good drivers with no accidents can earn big discounts in comparison to drivers with a long claim history.
  • Own a Home – Just owning your own home can save you money since home ownership requires personal responsibility.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.

It’s important to note that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

A few companies who might offer some of the above discounts may include but are not limited to:

  • State Farm
  • Farmers Insurance
  • Progressive
  • Auto-Owners Insurance
  • The Hartford
  • Farm Bureau
  • USAA

When quoting, ask every insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered in your area. If you would like to view insurance companies who offer insurance discounts, enter your zip code here.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining if your situation will benefit from professional help.

  • Should I carry comprehensive and collision coverage?
  • Should I have combined single limit or split liability limits?
  • Do I need more liability coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I crash into my own garage door?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and you can get the answers you need.

Insurance coverage specifics

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Comprehensive protection

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from getting keyed, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like emergency aid, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

Collision coverage pays for damage to your Express Cargo resulting from a collision 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 claims like scraping a guard rail, damaging your car on a curb, crashing into a ditch, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like surgery, chiropractic care, prosthetic devices, X-ray expenses and funeral costs. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Be a smart shopper

We covered quite a bit of information on how to compare 2022 Chevy Express Cargo insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from a small mutual company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

Some insurance companies may not provide rates over the internet smaller providers only sell through local independent agents. More affordable insurance can be purchased on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection.

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