Compare 1999 Chevrolet Express Cargo Insurance Quotes

If you’re looking for more affordable insurance online, are you baffled by the sheer number of car insurance sources? Consumers have such a large number of options that it is a difficult challenge to find lower prices.

Insurance coverage policy discounts you can’t miss

Insurance coverage is neither fun to buy or cheap, but discounts can save money and there are some available that many consumers don’t even know exist. Some discounts apply automatically when you quote, but some may not be applied and must be requested specifically in order for you to get them.

  • Claim Free – Insureds who avoid accidents and claims have much lower rates when compared with bad drivers.
  • Discount for Home Ownership – Owning your own home or condo can save you money because owning a home requires a higher level of personal finance.
  • Safety Course Discount – Taking time to complete a defensive driving class may get you a small discount and also improve your driving technique.
  • Student in College – Kids who are attending college and won’t have access to an insured vehicle could qualify for this discount.
  • Low Mileage Discounts – Driving less may allow you to get lower prices due to less chance of an accident.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 15% off PIP or medical payments premium.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.

Don’t be surprised that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

Companies that may include most of the discounts above include:

When getting free car insurance quotes, it’s a good idea to every prospective company to apply every possible discount. Depending on the company, some discounts may not apply to policyholders in every state. If you would like to see a list of insurance companies that offer the discounts shown above, follow this link.

Four factors that impact insurance costs

The best way to find cheaper insurance coverage is to take a look at some of the elements that help determine your insurance coverage rates. When consumers understand what impacts premium levels, this enables informed choices that can earn you lower rates.

The items below are some of the factors used by your company to calculate rates.

  • How your age affects premiums – Drivers with little experience are known to be more careless when behind the wheel so insurance coverage rates are higher. Parents adding a beginning driver onto a policy will cause a huge premium hike. Mature drivers have been proven to be more responsible, file fewer claims and receive fewer citations.
  • Being married is a bonus – Having a spouse helps lower the price on your policy. It is viewed as being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • More stress means more cost – Jobs like military personnel, architects and dentists generally have the highest rates attributed to intense work situations and lots of time spent at work. On the other hand, occupations like actors, engineers and retirees get better rates on Express Cargo coverage.
  • Traffic violations drive up costs – A bad driving record impacts your car insurance rates tremendously. Drivers with clean records pay less for auto insurance compared to drivers with tickets. Having just one moving violation may increase your cost by twenty percent. Drivers with serious citations such as reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.

Insurance agents can help

When buying the best insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Is rental equipment covered for theft or damage?
  • Am I covered if I hit a deer?
  • How do I buy GAP insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Can you really save that much by switching?

Big name companies like Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies make the point that you can save if you move to them. But how can every company offer you a better deal? This is the trick they use.

Many companies give the best rates for the type of driver that will most likely be profitable. One example of a profitable customer might be described as between 25 and 40, carries full coverage, and drives a safe vehicle. A propective insured who fits those characteristics will get very good car insurance rates as well as pay quite a bit less when switching companies.

Insureds who may not quite match the ideal profile may receive more expensive rates with the end result being the customer not purchasing. The wording the ads use say “customers that switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully make claims that they all have the best premium rates. This really emphasizes why you should get as many free car insurance quotes as possible. It’s just not possible to know the company that will have the best car insurance rates at this point in time.

Insurance coverages 101

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Express Cargo.

Due to the fact that many drivers 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 is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for funeral costs, surgery and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, hail damage, vandalism, hitting a bird and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your Express Cargo caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Compare but don’t skimp

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

Consumers leave their current company for any number of reasons including being labeled a high risk driver, questionable increases in premium, not issuing a premium refund and even denial of a claim. No matter why you want to switch, switching car insurance companies can be less work than you think.

We just showed you many ways to shop for 1999 Chevy Express Cargo insurance online. The key thing to remember is the more times you quote, the higher your chance of finding cheap car insurance. You may even find the lowest priced car insurance comes from a lesser-known regional company.

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