2002 Chevrolet Express Cargo Insurance Rates – 8 Tips for Cheapest Quotes

Want cheaper insurance rates? Drivers have a choice when trying to find the lowest priced Chevy Express Cargo insurance. You can either waste hours calling around to get rate comparisons or use the internet to get rate quotes.

There is a right way and a wrong way to find insurance online and you need to know the proper way to quote coverages for a Chevy and find the cheapest rates.

If you have insurance now or are looking for a new policy, you can learn to cut your premiums and still get good coverage. The purpose of this post is to instruct you on the most effective way to quote insurance and some tricks to saving. Consumers just need to learn the proper methods to compare price quotes over the internet.

How to get car insurance quotes

Reducing your 2002 Chevy Express Cargo insurance rates is an easy way to save money. The only requirement is to take time to get quotes online from several insurance companies. Comparing prices online can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This form eliminates the need for separate forms for every car insurance company. Completing one form gets rate comparisons from all major companies.It’s the quickest way to get rates.
  2. A more time consuming way to find more affordable insurance consists of visiting each individual company website and go through the quote process again. For example, we’ll pretend you need rates from Allstate, Progressive and Travelers. You would need to go to each individual site to enter the same coverage data repeatedly, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to use exactly the same quote data with every price quote. If you have unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Chevy Express Cargo.

Insurance companies are expert advertisers

Drivers can’t escape the ads that claim the best rates by State Farm and Allstate. All the companies try to convey promises that people will save if you get a free car insurance quote and switch your insurance policy to them.

How does every insurance company give you a lower rate? This is the way they can do it.

All companies have specific criteria for a prospective insured that will generate a profit. For example, a driver they prefer might be described as over the age of 45, has no claims, and drives a lower-performance vehicle. Anyone who matches that profile may get the lowest rates as well as save some money.

Consumers who don’t meet the ideal profile must pay higher premium rates and ends up with the customer buying from someone else. If you listen to the ad wording, they say “people who switch” not “all people who quote” can save as much as they claim. That’s why companies can truthfully make the claims of big savings.

This really drives home the point why you need to compare many company’s premium rates. It’s just too difficult to predict which company will fit your personal profile best.

Cheaper auto insurance rates with discounts

Insurance can cost an arm and a leg, but you may be missing some discounts that you may not even know about. Some discounts will apply at the time you complete a quote, but occassionally some discounts must be inquired about before you will receive the discount. If you are not receiving all the discounts you deserve, you could be saving more on your auto insurance.

  • Early Signing – Select companies give a discount for switching policies early. It can save you around 10%.
  • Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease on Express Cargo insurance with a few auto insurance companies.
  • Driver Education Discount – Require your teen driver to complete a driver education course if it’s offered in school.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount when getting a car insurance quote.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Pay Upfront and Save – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
  • No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote when compared to frequent claim filers.
  • Cautious Drivers – Drivers without accidents can save as much as half off their rates on Express Cargo insurance compared to rates paid by drivers with frequent claims.

Remember that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, you’re out of luck.

Larger auto insurance companies and some of the premium reductions they offer include:

  • GEICO discounts include federal employee, air bags, defensive driver, military active duty, multi-policy, and emergency military deployment.
  • Auto-Owners Insurance has savings for air bags, mature driver, good student, safe driver, anti-theft, and paid in full.
  • American Family offers premium reductions for good student, mySafetyValet, bundled insurance, air bags, Steer into Savings, early bird, and TimeAway discount.
  • Esurance offers discounts for Pac-12 alumni, good student, renters, emergency road assistance, claim free, DriveSense, and good driver.
  • Progressive includes discounts for multi-policy, homeowner, online quote discount, continuous coverage, online signing, and good student.
  • State Farm may offer discounts for Steer Clear safe driver discount, anti-theft, good student, safe vehicle, accident-free, and multiple policy.
  • AAA may have discounts that include education and occupation, anti-theft, multi-policy, multi-car, and pay-in-full.

Check with each company or agent what discounts are available to you. Some of the discounts discussed earlier may not be available everywhere. To find insurers with discount auto insurance rates, click here.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered when delivering products for my home-based business?
  • Why am I required to buy liability insurance?
  • Does coverage extend to Mexico or Canada?
  • Are my friends covered when driving my 2002 Chevy Express Cargo?
  • What are the best liability limits?
  • How can I force my company to pay a claim?
  • Am I covered when pulling a rental trailer?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

What insurance coverages do you need?

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as dental work, funeral costs, prosthetic devices, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for liability

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like funeral expenses, court costs, structural damage and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This coverage will pay to fix damage to your Express Cargo resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, rolling your car, hitting a parking meter, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, falling objects, damage from flooding, hail damage and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” 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 2002 Chevy Express Cargo.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Save your hard earned cash

Drivers switch companies for a number of reasons such as not issuing a premium refund, policy non-renewal, delays in paying claims and denial of a claim. It doesn’t matter why you want to switch finding the right insurance coverage provider is less work than it seems.

We just showed you a lot of ways to shop for 2002 Chevy Express Cargo insurance online. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may even discover the lowest priced insurance coverage comes from a small mutual company.

Lower-priced 2002 Chevy Express Cargo insurance can be found both online as well as from insurance agents, so you need to shop car insurance with both in order to have the best chance of saving money. Some insurance coverage companies may not have rate quotes online and these smaller providers sell through independent agencies.

More detailed insurance coverage information is located in these articles: