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: Nov 23, 2018

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Consumers have options when looking for low-cost Chevy Express Cargo insurance. You can either waste hours driving around to compare prices or leverage the internet to make rate comparisons.

There are both good and bad ways to find auto insurance online so you’re going to learn the absolute fastest way to get price quotes for a new or used Chevy and get the cheapest rates either online or from local insurance agents.

You should take the time to do price comparisons quite often since insurance prices are rarely the same from one policy term to another. Just because you had the best rates on Express Cargo insurance a couple years back other companies may now be cheaper. There is a lot of wrong information about auto insurance online, but in just a couple of minutes you can learn some great ideas on how to find cheap auto insurance.

If you have a policy now or need new coverage, you will benefit by learning to cut your premiums and still get good coverage. The purpose of this article is to introduce you to how to get online quotes. Drivers just need to understand the proper way to compare company rates on the web.

How to get free insurance coverage quotes online

Getting a cheap price on 2003 Chevy Express Cargo insurance is a fairly straight forward process. All you need to do is invest a few minutes to compare rate quotes to see which company has cheaper insurance quotes. Shoppers can get rates by following the guidelines below.

  • The simplest way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating boring form submissions for every insurance coverage company. Taking the time to complete one form gets coverage cost estimates from many national carriers.It’s the quickest way to get rates.
  • A more time consuming way to compare prices is to manually visit the website for each individual company and fill out a new quote form. For examples sake, we’ll assume you want rates from USAA, State Farm and Progressive. You would need to visit each site and enter your information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.
  • The most difficult way of comparing rate quotes is to spend time driving to insurance agencies in your area. Comparing rates online eliminates the need for an insurance agent unless you want the trained guidance only provided by licensed agents. It is possible to compare online quotes and still use a local agent.

Whichever way you use, try to keep nearly identical coverage limits with every price quote. If you compare different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best.

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

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Discounts for lower-cost insurance coverage rates

Companies that sell car insurance don’t always list every possible discount in an easy-to-find place, so below is a list both the well known and also the more inconspicuous credits that you can use to lower your rates.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Resident Student – Youth drivers living away from home attending college and do not take a car to college can be insured at a reduced rate.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
  • Telematics Devices – Insureds who allow companies to scrutinize where and when they drive by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on a single policy can get a discount for every vehicle.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like you could get a free insurance coverage policy, you’re out of luck.

Large insurance coverage companies and some of the discounts can be found below.

  • Esurance policyholders can earn discounts including Pac-12 alumni, online quote, renters, online shopper, claim free, and anti-theft.
  • The Hartford offers discounts for driver training, good student, air bag, defensive driver, bundle, and anti-theft.
  • AAA discounts include good driver, pay-in-full, AAA membership discount, good student, and multi-car.
  • GEICO may offer discounts for driver training, military active duty, good student, anti-theft, federal employee, and five-year accident-free.
  • State Farm has discounts for good driver, student away at school, Drive Safe & Save, driver’s education, accident-free, passive restraint, and good student.

When getting a coverage quote, ask every company to give you their best rates. Some of the discounts discussed earlier might not be offered in your state. If you would like to view insurance companies that have a full spectrum of discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight if your situation will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Is business property covered if stolen from my car?
  • Exactly who is provided coverage by my policy?
  • What is the minimum liability in my state?
  • If I drive on a suspended license am I covered?
  • Are split liability limits better than a combined single limit?
  • Is my teenager covered with friends in the car?
  • Do I need motorclub coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage options for a 2003 Chevy Express Cargo

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as surgery, prosthetic devices, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability insurance

This provides protection from damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as medical services, medical expenses, repair bills for other people’s vehicles, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, falling objects and a broken windshield. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

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

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Keep this in mind

We’ve covered a lot of tips how to get a better price on 2003 Chevy Express Cargo insurance. The key thing to remember is the more you quote insurance, the better chance you’ll have of finding the cheapest insurance. You may be surprised to find that the most savings is with some of the smallest insurance companies.

Insureds switch companies for many reasons like unfair underwriting practices, extreme rates for teen drivers, an unsatisfactory settlement offer and even not issuing a premium refund. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

Cost effective 2003 Chevy Express Cargo insurance is available from both online companies and also from your neighborhood agents, so get free insurance quotes from both of them to have the best rate selection. There are still a few companies who may not offer price quotes online and most of the time these small, regional companies work with independent insurance agencies.

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