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 5, 2015

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Searching for cheaper car insurance rates? Consumers have many options when looking for affordable Chevy Express Cargo insurance. They can either spend hours calling around trying to get quotes or utilize the internet to find the lowest rates. There are more efficient ways to buy car insurance so you’re going to learn the proper way to quote coverages for your Chevy and obtain the lowest price from both online companies and local agents.

It’s a good habit to take a look at other company’s rates yearly because car insurance prices are variable and change quite frequently. Just because you found the lowest rates on Express Cargo insurance two years ago the chances are good that you can find a lower rate quote today. Don’t believe everything you read about car insurance online, but we’re going to give you a bunch of ideas how to find cheap car insurance.

Cheaper rates with these insurance coverage discounts

Car insurance companies don’t list every disount available very clearly, so the below list has some of the best known and the more hidden credits available to you.

  • Driver Training Discounts – Taking part in a defensive driver course could earn you a small percentage discount and also improve your driving technique.
  • Federal Employees – Federal government employees could cut as much as 10% off on Express Cargo insurance with a few insurance coverage companies.
  • Distant Student – Youth drivers who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Auto/Home Discount – If you can combine your auto and homeowners policy with one company you could save nearly 15% which can help you find inexpensive insurance.
  • Save over 55 – Mature drivers may receive better insurance coverage rates on Express Cargo insurance.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off the medical payments premium.
  • Memberships – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • Responsible Driver Discount – Safe drivers may receive a discount up to 45% on Express Cargo insurance than their less cautious counterparts.
  • Home Ownership Discount – Owning a home may trigger a policy discount on insurance coverage because of the fact that having a home shows financial diligence.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.

You should keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

Some companies that may offer these money-saving discounts include:

If you need the cheapest insurance quotes, ask each insurance company to apply every possible discount. All car insurance discounts may not apply everywhere.

The fastest way that we advise to compare car insurance company rates is to realize most larger insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is provide details such as your job, the type of vehicles you drive, any included safety features, and whether you have decent credit. Those rating factors is automatically sent to many different companies and you will receive price estimates immediately.

To start a rate quote now, click here and enter your coverage details.

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

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Insurance premiums are influenced by these factors

It’s important that you understand a few of the rating criteria that come into play when calculating your car insurance rates. If you have a feel for what influences your rates, this enables informed choices that can help you get better car insurance rates.

  • Stay claim-free and save – If you file claims often, don’t be surprised to see increased rates or even have your policy non-renewed. Companies give most affordable rates to drivers who do not file claims often. Your car insurance is intended for claims that you cannot pay yourself.
  • Employer and insurance car insurance rates – Did you know that where you work can have an impact on rates? Occupational choices like military generalspolice officers and dentists tend to have the highest rates in part from intense work requirements and lots of time spent away from family. On the other hand, occupations like actors, historians and the unemployed pay lower than average rates on Express Cargo insurance.
  • Annual mileage impacts costs – Driving more miles each year the more you’ll pay to insure it. The majority of insurers rate vehicles determined by how the vehicle is used. Vehicles that sit idle most of the time qualify for better rates than vehicles that have high annual mileage. A policy that improperly rates your Express Cargo can cost quite a bit. Ask your agent if your policy reflects the proper vehicle usage.
  • Gender and auto insurance rates – Over time, data shows that women are safer drivers than men. However, don’t assume that males are worse at driving than females. Women and men tend to get into accidents at a similar rate, but males have costlier accidents. Not only that, but men also receive more costly citations like DWI (DUI) or reckless driving.

Auto insurance can get complicated

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For instance, these questions might help in determining whether or not you may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I break a side mirror?
  • Does car insurance cover theft of personal property?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage if my license is suspended?
  • Is motorclub coverage worth it?
  • If my 2002 Chevy Express Cargo is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance policy specifics

Having a good grasp of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, medical expenses, emergency aid and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision insurance

This coverage pays for damage to your Express Cargo resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, a tree branch falling on your vehicle, hail damage, falling objects and fire damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like funeral costs, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Express Cargo.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

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

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Don’t break the bank

When shopping online for insurance coverage, never buy poor coverage just to save money. There are a lot of situations where an insured cut liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.

There are still a few companies who may not offer the ability to get a quote online and usually these small, regional companies only sell coverage through independent agents. Cost effective 2002 Chevy Express Cargo insurance can be purchased on the web in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates.

Insureds switch companies for a variety of reasons including high prices, denial of a claim, unfair underwriting practices and even not issuing a premium refund. No matter why you want to switch, finding a great new company can be pretty painless.

Much more information about insurance coverage can be found on the following sites: