Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 8, 2017

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Want the cheapest car insurance rates for your Chevrolet Express Cargo? Comparing and finding cheaper coverage rates for car insurance might be hard for drivers not familiar with shopping for insurance online. There are so many companies to choose from that it can quickly become a ton of work to find the best price.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Locating cheaper insurance coverage coverage is not that difficult. Nevertheless, vehicle owners must understand how big insurance companies sell insurance online and apply this information to your search.

Chevy Express Cargo insurance rate factors

Lots of factors are used when you get a price on insurance. Some factors are common sense such as traffic violations, but some are not quite as obvious like your vehicle usage or your commute time.A large part of saving on insurance is knowing some of the things that are used to determine the rates you pay for insurance. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower insurance prices.

  • Good drivers pay better costs – Good drivers tend to pay less for car insurance compared to drivers with tickets. Having a single chargable violation can increase rates twenty percent or more. Drivers who have received severe violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent their license from being revoked.
  • Premiums may be lower depending on your job – Occupations such as doctorsair traffic controllers and medical professionals usually pay higher average rates in part from job stress and extremely grueling work hours. Other professions such as scientists, historians and the unemployed receive lower rates for Express Cargo insurance.
  • Commute or pleasure use – Driving more miles every year the more you will pay for insurance. Many insurance companies charge to insure your cars based on their usage. Cars and trucks that do not get driven very much can get a lower rate than vehicles that are driven to work every day. Make sure your insurance policy shows the correct usage for each vehicle, because it can save money. An incorrectly rated Express Cargo may be costing you higher rates.
  • Liability protection limits should be high – Liability coverage will provide protection when you are responsible for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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First Step: Get free auto insurance quotes

Most of the larger companies such as State Farm, GEICO and Progressive allow consumers to get prices direct online. This process is very simple because it’s just a matter of typing in your personal and coverage information into the form. Once entered, their rating system gets your credit score and driving record and returns a price quote.

This simplifies rate comparisons, but having to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. Unfortunately, it is important to perform this step in order to find a better rate.

Keep reading for an easier way to compare prices

The easiest way to find lower prices uses one form that obtains quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more efficient. As soon as the form is sent, your coverage is rated and you can select any or none of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It can be completed in a matter of minutes and may save quite a bit of money.

In order to get comparison pricing now, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended you type in the coverage information exactly as they are listed on your policy. Doing this guarantees you will get an apples-to-apples comparison for the exact same coverage.

But they said I’d save $393 a year!

State Farm, GEICO and Progressive consistently run ads on TV and radio. They all say the same thing that people will save if you change to their company. But how can every company offer you a better deal? Here is how they do it.

Different companies quote the lowest rates for the type of customer that will generate a profit. One example of this type of risk profile could possibly be a married female, has had continuous coverage, and drives a safe vehicle. Anybody that matches those criteria receives the best auto insurance rates and most likely will save money with a new company.

Drivers who may not quite match the “perfect” profile will probably have to pay more expensive rates and ends up with business not being written. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” save the amount stated. That’s why companies can truthfully claim big savings. Because of this risk profiling, drivers must get insurance coverage quotes as often as possible. It is impossible to guess the company that will provide you with the cheapest prices.

Find discounts on insurance coverage

Car insurance can cost a lot, but you may qualify for discounts that could help you make your next renewal payment. Some trigger automatically at the time you complete a quote, but some discounts are required to be requested specifically before you will receive the discount.

  • Government Employees – Having worked for a branch of the government could cut as much as 10% off for Express Cargo insurance with some insurance coverage companies.
  • Senior Citizen Rates – Seniors can possibly qualify for a small discount on rates for Express Cargo insurance.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts as much as 30%.
  • ABS Braking Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Save with More Vehicles Insured – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Discount for Life Insurance – Larger companies have a break if you buy life insurance.
  • Full Payment Discount – By making one initial payment instead of paying each month you can actually save on your bill.
  • Driving Data Discount – Drivers who elect to allow their insurance coverage company to scrutinize driving patterns by using a telematic data system such as Progressive’s Snapshot could save a few bucks if their driving habits are good.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, it’s just not the way it works.

Some companies that may offer quotes with most of these discounts possibly include:

When getting a coverage quote, ask every prospective company to apply every possible discount. Some discounts listed above may not be offered in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your insurance coverage coverage to you

When it comes to buying coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might point out whether you could use an agent’s help.

  • Can my teen drive my company car?
  • Am I missing any policy discounts?
  • Do I need more liability coverage?
  • If my pet gets injured in an accident are they covered?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is covered by UM/UIM coverage?
  • What is UM/UIM insurance?
  • Does my 2000 Chevy Express Cargo qualify for pleasure use?
  • Can I get a multi-policy discount?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for liability

This protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Chevy Express Cargo.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

This covers damage to your Express Cargo resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, damaging your car on a curb, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a bird, a broken windshield, damage from flooding and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like nursing services, prosthetic devices, EMT expenses and funeral costs. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Don’t throw your cash in the trash

Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, unfair underwriting practices, lack of trust in their agent or delays in paying claims. Regardless of your reason for switching companies, switching auto insurance companies can be less work than you think.

When searching for the cheapest insurance coverage quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability coverage limits to discover at claim time that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

We covered a lot of ways to compare 2000 Chevy Express Cargo insurance rates online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the most savings is with a company that doesn’t do a lot of advertising.

To read more, link through to the following helpful articles: