Cheap 2014 Chevrolet Express Cargo Car Insurance Quotes

Are you sick and tired of not being able to afford to insure your Chevy every month? You are in the same boat as the majority of other vehicle owners. Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurer to discover the definitive cheapest price

Get lower rates by applying discounts

Car insurance is not cheap, but you might already qualify for some discounts that can help lower your rates. Certain discounts will be applied at the time of quoting, but some need to be asked for in order for you to get them.

  • Switch and Save Discount – A few insurance companies give discounts for renewing your policy prior to the expiration date on your current policy. This can save 10% or more.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts up to 30%.
  • Professional Organizations – Being a member of certain professional organizations could trigger savings when getting a car insurance quote.
  • Include Life Insurance and Save – Larger companies have a small discount if you purchase a life policy as well.
  • Pay Early and Save – By making one initial payment rather than paying in monthly installments you may reduce your total bill.

It’s important to note that some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Car insurance companies who may offer these discounts are:

Before purchasing a policy, check with each company to apply every possible discount. Depending on the company, some discounts may not apply in your area.

Your insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Can my teen drive my company car?
  • When should I not file a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I really need UM/UIM coverage?
  • Do I need higher collision deductibles?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Do car insurance companies bend the truth?

Consumers can’t avoid all the ads that claim the cheapest auto insurance rates by State Farm and Allstate. They all seem to tend to make the same promise that drivers will save a bundle if you switch to their company.

Is it even possible that every company can sell you cheaper insurance coverage? It’s all in how they say it.

Different companies have underwriting criteria for the type of customer that earns them the highest profit. One example of a profitable insured should be between 30 and 50, owns a home, and has a short commute. Any new insured that meets those criteria gets the lowest premium rates and as a result will probably save when they switch companies.

Potential insureds who don’t qualify for the “perfect” profile will be charged higher rates with the end result being the customer buying from someone else. The ads state “drivers that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can advertise the savings.

Different companies use different criteria so you really should get car insurance quotes from several different companies. Because you never know which insurance companies will have the lowest rate quotes.

Auto insurance 101

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Comprehensive auto coverage

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

Comprehensive coverage protects against claims such as rock chips in glass, vandalism, hitting a deer and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express Cargo.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for prosthetic devices, EMT expenses, rehabilitation expenses, surgery and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers 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

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch, rolling your car, backing into a parked car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability

This will cover damages or injuries you inflict on other people or property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, structural damage and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Have the Midas touch

We just covered quite a bit of information on how to lower your 2014 Chevy Express Cargo insurance prices. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small local company. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

When you buy car insurance online, make sure you don’t buy poor coverage just to save money. Too many times, consumers will sacrifice liability limits or collision coverage only to regret that they should have had better coverage. Your focus should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

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