Compare 2008 Chevrolet Express Cargo Insurance Rates

Trying to find cheaper auto insurance rates? Buyers have many options when searching for affordable Chevy Express Cargo insurance. They can either waste time calling around trying to get quotes or utilize the internet to compare rates. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to quote coverages on a Chevy and obtain the best price possible.

How to find the cheapest insurance coverage

Reducing your 2008 Chevy Express Cargo insurance rates is not a difficult process. Just spend a few minutes on the computer comparing rate quotes from some recommended companies. You can get a good selection of rate quotes using a couple different methods.

Probably the best way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating repetitive form entry for each price estimate. Just one form gets rate comparisons instantly. Just one form and you’re done.

A slightly less efficient method to find more affordable insurance requires visiting the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want to compare rates from Liberty Mutual, Safeco and State Farm. To get rate quotes you would need to spend time going to each site individually to enter your coverage information, and that explains why we recommend the first method.

For a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using identical information on every quote. If you enter different values for each quote it will be next to impossible to make a fair comparison for your Chevy Express Cargo.

Drivers who switch save $466 a year? Really?

Consumers can’t avoid all the ads for cheaper car insurance from the likes of State Farm, Allstate and GEICO. All the ads advertise the message that people will save just by moving your policy.

How is it possible that every company can save you money? Here is how they do it.

Different companies offer their best rates for the driver that will add to their bottom line. A good example of this type of driver may need to be between the ages of 30 and 50, carries full coverage, and drives a lower-performance vehicle. Any new insured that fits those parameters will probably get cheap prices and is almost guaranteed to save when they switch companies.

Potential insureds who fall outside those criteria will be quoted higher prices which translates to the customer buying from a different company. The trick companies use is to say “customers who switch” not “everyone who quotes” save that kind of money. That is how companies can truthfully claim big savings. This really emphasizes why you need to get a wide range of price quotes. It’s impossible to know which car insurance company will have the best rates for your profile.

Lower-cost insurance coverage rates with discounts

Insurance coverage is expensive, but there could be significant discounts that you may not know about. Certain reductions will be credited when you get a quote, but lesser-known reductions have to be asked for prior to getting the savings.

  • Use Seat Belts – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
  • Student Discount for Driver Training – Teen drivers should complete a driver education course if offered at their school.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% for Express Cargo insurance depending on your insurance coverage provider.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.
  • Online Discount – Many insurance companies give back up to $50 for buying your policy digitally online.
  • Telematics Data Discounts – Insureds that choose to allow their insurance company to look at their driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they show good driving skills.
  • Early Switch Discount – A few larger companies give discounts for switching companies prior to your current policy expiration. It can save you around 10%.

Don’t be surprised that most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

To view providers that provide some of the discounts listed above, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • Is a blown tire covered by insurance?
  • How much liability do I need to cover my assets?
  • Can my babysitter drive my car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my 2008 Chevy Express Cargo qualify for pleasure use?
  • Am I covered if hit by an uninsured driver?
  • What happens if I owe more than my 2008 Chevy Express Cargo is worth?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance coverage options for a 2008 Chevy Express Cargo

Having a good grasp of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

This protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, bail bonds, structural damage, funeral expenses and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured and underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Express Cargo.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

Collision insurance pays for damage to your Express Cargo caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, hitting a parking meter, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, chiropractic care, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, hail damage and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Don’t break the bank

There are still a few companies who do not offer the ability to get quotes online and these small, regional companies provide coverage only through independent agents. The cheapest 2008 Chevy Express Cargo insurance can be sourced both online as well as from independent agents, so you should compare both to have the best rate selection.

People who switch companies do it for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, unfair underwriting practices or policy non-renewal. Whatever your reason, finding a new company is easier than you think.

In this article, we covered a lot of tips how to get a better price on 2008 Chevy Express Cargo insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates come from the smaller companies.

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