Lower Your 1999 Chevrolet Express Cargo Insurance Cost

Paying for expensive Chevrolet Express Cargo insurance can sap your monthly budget and force you to tighten up your finances.

There is such a variety of insurance companies to choose from, and although it’s a good thing to have a selection, it makes it harder to compare rates and find the lowest cost insurance coverage.

It’s smart to get comparison quotes as often as possible because insurance coverage prices tend to go up over time. Even if you got the best deal on Express Cargo insurance a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out the only way to find great coverage at a great price.

Cheapest insurance price quotes

When shopping for the cheapest insurance coverage quotes, there are a couple of ways to obtain and compare prices from local insurance companies. The best way to find affordable 1999 Chevy Express Cargo insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done by using one of the methods below.

If you’re in a hurry, the quickest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating separate quotes for every company. A single, simple form gets prices estimates from all major companies.

Another way to shop for insurance online requires a visit to the website of each company and go through the quote process again. For instance, let’s say you want to get rates from Farmers, Allstate and GEICO. You would have to go to every website and type in your information over and over, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least efficient and most time consuming method to compare price quotes is physically going to and from local insurance agencies. Quoting online has reduced the need for local agents unless you require the guidance that only a licensed agent can provide. It is possible with some companies comparison shop online and still use a local agent.

Whichever way you use, do your best to enter identical coverage limits on every price quote you get. If you use mixed coverages you will not be able to get a fair rate comparison. Quoting even small variations in insurance coverages can make a big difference in price. Keep in mind that making a lot of price comparisons helps locate the best rates.

The Chevy Express Cargo insurance premium equation

Many things are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other criteria are more transparent such as your credit history or your financial responsibility.An important part of buying insurance is that you know the different types of things that help calculate your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that can earn you lower premium levels.

The itemized list below are some of the things utilized by car insurance companies to help set your prices.

  • Pay less with a high IIHS safety rating – Safe vehicles get lower rates. Safe vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If the Chevy Express Cargo has at least four stars on Safercar.gov you are probably receiving a discount.
  • Cautious drivers have lower prices – Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Just one driving citation can bump up the cost substantially. Drivers who get license-revoking citations like DWI, reckless driving or hit and run convictions may need to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Insurance rates in urban areas – Living in a small town has definite advantages when trying to find low car insurance rates. Less people corresponds to lower accident rates as well as less vandalism and auto theft. People in densly populated areas have congested traffic and longer commutes to work. Spending more time driving means a statistically higher chance of an accident.
  • Premiums can be impacted by your vocation – Jobs such as doctors, architects and financial analysts have higher rates than the rest of us because of job stress and long work hours. On the other hand, jobs such as professors, students and homemakers have the lowest average rates on Express Cargo insurance.
  • Your credit score is important – Having a bad credit history is likely to be a major factor in your rate calculation. If your credit rating is not that good, you could be paying less to insure your 1999 Chevrolet Express Cargo if you improve your credit rating. People with high credit scores tend to file fewer claims as compared to drivers with lower credit ratings.

More discounts mean affordable premiums

Buying insurance coverage is not cheap, but there are discounts available that may help make it more affordable. A few discounts will automatically apply at the time of quoting, but a few need to be specially asked for before you get the savings.

  • Life Insurance Discount – If the company offers life insurance, you could get lower premium rates if you buy a life insurance policy as well.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next insurance coverage statement.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Good Student – Performing well in school can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • Telematics Devices – Policyholders that allow their company to analyze when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they are good drivers.
  • Multiple Vehicles – Insuring multiple cars or trucks with one company can reduce the rates for all insured vehicles.
  • No Claim Discounts – Insureds who avoid accidents and claims can save substantially in comparison to drivers with a long claim history.
  • Bundled Policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company they may give you a discount of up to 20% off your total premium.
  • Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Accident Waiver – Not really a discount, but certain companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.

Drivers should understand that most discounts do not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. Even though it appears all the discounts add up to a free policy, that’s just not realistic.

Larger insurance coverage companies and their possible discounts are included below.

  • State Farm may offer discounts for Steer Clear safe driver discount, student away at school, multiple policy, safe vehicle, accident-free, passive restraint, and Drive Safe & Save.
  • GEICO policyholders can earn discounts including federal employee, multi-vehicle, anti-theft, emergency military deployment, seat belt use, and daytime running lights.
  • Allstate has discounts for anti-theft, defensive driver, 55 and retired, premier discount, and safe driver.
  • SAFECO may include discounts for accident prevention training, drive less, anti-theft, safe driver, teen safe driver, multi-car, and homeowner.
  • Farm Bureau offers discounts for good student, youthful driver, safe driver, 55 and retired, and driver training.
  • Progressive includes discounts for homeowner, good student, online quote discount, online signing, continuous coverage, and multi-vehicle.
  • AAA has savings for education and occupation, anti-theft, good driver, good student, and AAA membership discount.

Check with each company which discounts you qualify for. Savings may not be available in your area. To find insurers who offer free insurance coverage quotes, click this link.

It’s not one size fits all

When it comes to buying the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Is business property covered if stolen from my car?
  • If my pet gets injured in an accident are they covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What discounts do I qualify for?
  • If I drive on a suspended license am I covered?
  • Should I carry comprehensive and collision coverage?
  • Can I afford low physical damage deductibles?
  • Does my policy pay for OEM or aftermarket parts?
  • What is UM/UIM insurance?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a Chevy Express Cargo

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.

Comprehensive protection

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hitting a deer, damage from flooding, fire damage and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, rolling your car, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage pay for expenses like doctor visits, rehabilitation expenses, EMT expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as repair bills for other people’s vehicles, funeral expenses, pain and suffering, legal defense fees and structural damage. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Chevy Express Cargo.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

More quotes mean more savings

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best price but still have enough coverage for asset protection.

We covered a lot of ways to reduce 1999 Chevy Express Cargo insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheaper insurance coverage. Consumers may even find the lowest premium rates are with some of the lesser-known companies. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm and Allstate.

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