Save on 2007 Chevrolet Express Cargo Car Insurance Quotes

Are you sick and tired of paying out the nose to pay high insurance coverage rates every month? Your situation is no different than many other drivers.

Numerous car insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the lowest rate possible.

How to buy insurance coverage

When comparison shopping, there are several ways to compare rate quotes from all the different companies. The recommended way to find the lowest 2007 Chevy Express Cargo rates is to use the internet to compare rates. This can be accomplished in several different ways.

One of the best ways consumers can analyze rates is to use a rate comparison form click to view form in new window. This method eliminates the need for multiple quote forms for every insurance coverage company. A single form will get you rate comparisons from insurance coverage companies with the best prices.

A different way to compare prices requires a trip to each individual company website to complete a price quote. For examples sake, let’s say you want comparison quotes from Progressive, 21st Century and GMAC. To get rate quotes you would need to go to each individual site to enter your coverage information, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

The least efficient way to get rate quotes is to drive around to and from local insurance agencies. Quoting online has made agencies unnecessary unless you’re the type of person who wants the professional abilities of an agent trained in personal lines coverage. Drivers can get prices online but purchase the actual policy in an agency.

Compare rates however you want, just be sure to compare apples-to-apples coverage limits and deductibles on every quote you get. If you enter higher or lower deductibles it will be nearly impossible to determine which rate is truly the best. Slightly different insurance coverages may result in a large different in cost. And when comparing insurance coverage rates, know that comparing all the rates in your area will enable you to find more affordable insurance. Not every company allows you to get price estimates online, so it’s necessary to compare price estimates from the smaller companies as well.

Lower rates by qualifying for discounts

Some insurers do not list every policy discount very well, so the following list contains both the well known as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Accident Waiver – Not a discount per se, but some insurance companies will let one accident slide without getting socked with a rate hike if your claims history is clear for a certain period of time.
  • Discounts for Multiple Vehicles – Buying a policy with primary and secondary vehicles on the same insurance coverage policy can reduce the rates for all insured vehicles.
  • Telematics Data Discounts – Drivers who elect to allow data collection to analyze driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.
  • Claim-Free Discount – Insureds with no claims or accidents pay less as opposed to drivers with a long claim history.
  • Multi-policy Discount – If you can bundle your homeowners and auto insurance with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Auto/Life Discount – Not all companies offer life insurance, but some may give you a break if you buy some life insurance too.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

Large insurance coverage companies and some of their more popular discounts are detailed below.

  • State Farm discounts include multiple autos, student away at school, Steer Clear safe driver discount, safe vehicle, accident-free, anti-theft, and good driver.
  • American Family may have discounts that include good student, mySafetyValet, early bird, defensive driver, TimeAway discount, and air bags.
  • GEICO may include discounts for driver training, membership and employees, emergency military deployment, good student, five-year accident-free, air bags, and multi-policy.
  • 21st Century may offer discounts for early bird, air bags, driver training, teen driver, homeowners, theft prevention, and anti-lock brakes.
  • Progressive offers discounts including online quote discount, multi-policy, good student, multi-vehicle, and online signing.

Double check with each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply to policyholders in your area. To see insurers who offer free insurance coverage quotes, follow this link.

Insurance coverage is unique, just like you

When it comes to buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different so this has to be addressed. These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • Does having multiple vehicles earn me a discount?
  • When would I need additional glass coverage?
  • When should my teen driver be added to my policy?
  • How do I file an SR-22 for a DUI in my state?
  • What is UM/UIM insurance?
  • How many claims can I have before being cancelled?
  • Am I covered if hit by an uninsured driver?
  • Is there coverage for injuries to my pets?
  • Do I need PIP coverage since I have good health insurance?
  • When should I not file a claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

How to lower your insurance prices

Many factors are used in the calculation when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are more transparent such as your marital status and annual miles driven.

The items below are a partial list of the pieces companies use to determine your rate level.

  • Cheaper prices using theft deterrents – Buying a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all hinder car theft and help bring rates down.
  • Improve your credit rating and save – Having a good credit score is a big factor in determining what you pay for auto insurance. If your credit history leaves room for improvement, you may save money insuring your 2007 Chevrolet Express Cargo if you clean up your credit. Drivers who have excellent credit scores tend to be more responsible and file fewer claims than those with poor credit scores.
  • Age of drivers – Young drivers are proven to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates. Adding a first-time driver to your policy can cause a big jump in price. Older insureds are proven to be safer behind the wheel, file fewer claims .
  • Bump up comp and collision deductibles to lower rates – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Chevy. Examples of covered claims are a broken windshield, flood damage, and rolling your vehicle. Physical damage deductibles tell how much you are required to spend before a claim is paid by your company. The more money the insured has to pay upfront, the less your auto insurance will be on Express Cargo coverage.
  • Tickets and citations cost more than a fine – Having a clean driving record impacts your car insurance rates tremendously. Just one driving citation may increase your cost forty percent or more. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers unfortunate enough to have flagrant tickets such as DUI or willful reckless driving might be required by their state to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.

Smaller companies may have the best rates

Popular car insurance providers such as State Farm, Allstate and GEICO endlessly run television, radio, and online ads. All the ads advertise claims about savings if you just switch to them. But how can every company sell you cheaper insurance coverage? It’s all in the wording.

All the different companies have specific guidelines for the type of driver that will most likely be profitable. For instance, a driver they prefer could be over the age of 40, has a clear driving record, and chooses high deductibles. Any customer that hits that “sweet spot” receives the best prices and will cut their rates substantially.

Potential insureds who are not a match for those criteria will have to pay higher premium rates with the end result being business going elsewhere. The ads state “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently advertise the savings. Each company has different criteria, so you really need to get price quotes at each policy renewal. Because you cannot predict which company will fit you best based on your risk profile.

Car insurance 101

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for ambulance fees, doctor visits, dental work, funeral costs and hospital visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding, a broken windshield, hitting a deer and hail damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, pain and suffering, court costs, attorney fees and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Express Cargo.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

This pays for damage to your Express Cargo resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, colliding with a tree, scraping a guard rail, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

In conclusion

Lower-priced car insurance is attainable from both online companies in addition to local insurance agencies, so you should compare both so you have a total pricing picture. Some car insurance companies may not have internet price quotes and most of the time these smaller providers work with independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at the best cost and still be able to protect your assets.

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