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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Cutting costs on Driverscar insurance might be very difficult for people who are beginners to online price comparisons. Consumers have so many companies to choose from that it can quickly become a real hassle to find better prices.

You should make it a habit to quote other rates before your policy renews due to the fact that insurance prices change regularly. Despite the fact that you may have had the lowest price for Express Cargo insurance two years ago you will most likely find a better rate quote today. Block out anything you think you know about car insurance because you’re about to find out the fastest way to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Shopping for the lowest cost coverage can be fairly easy. Nevertheless, drivers do need to learn the methods companies use to market insurance on the web and apply this information to your search.

Discounts can really help lower rates

Some insurance providers don’t always advertise every possible discount in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden insurance coverage savings. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.

  • Discounts for Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates for Express Cargo insurance compared to rates paid by drivers with frequent claims.
  • ABS Brakes – Vehicles with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • First Accident Forgiveness – Not a discount per se, but some companies like GEICO, State Farm, and Progressive allow you one accident before raising your premiums with the catch being you have to be claim-free before the accident.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • E-sign – A few insurance coverage companies will discount your bill up to fifty bucks simply for signing online.
  • Club Memberships – Participating in a civic or occupational organization can get you a small discount when getting a insurance coverage quote.
  • Senior Citizen Rates – Drivers over the age of 55 may qualify for a slight reduction on a insurance coverage quote for Express Cargo insurance.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

Some of the insurance companies that may offer quotes with these money-saving discounts are:

Before buying, ask every prospective company to give you their best rates. Discounts might not be available to policyholders everywhere. To see companies who offer cheap insurance coverage quotes, click this link.

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

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Compare free insurance price quotes

Comparing insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many insurance companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company then gives them pricing for coverage. This saves time by eliminating quote requests for every insurance company.

To participate in this free quote system, click here (opens in new window).

The only downside to doing it this way is that you can’t choose which carriers you want pricing from. So if you want to choose specific insurance companies to compare rates, we have a page of insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just make sure you use equivalent coverage information for each comparison quote. If the quotes have differing limits you can’t possibly determine which rate is truly the best. Just slight variations in insurance coverages could mean much higher rates. Just remember that having more price comparisons increases the change that you will find the best price. Some smaller insurers to not give quotes online, so it’s important to also get price quotes from them as well.

Will just any policy work for me?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Do I have coverage when making deliveries for my home business?
  • How much liability do I need to cover my assets?
  • Does liability extend to a camper or trailer?
  • Should I sign the liability waiver when renting a car?
  • How can I get high-risk coverage after a DUI?
  • When does my teenage driver need to be added to my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need more liability coverage?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Truth in car insurance advertising

Popular car insurance providers such as State Farm, Allstate and GEICO consistently run ads in print and on television. They all have a common claim of big savings if you just switch to their company. That’s great but how can every company offer you a better deal? It’s all in how they say it.

Most companies have specific guidelines for the type of driver that will not have excessive claims. One example of a driver they prefer might have to be between 30 and 50, has no driving citations, and does not commute to work. Anybody that meets those criteria receives the best auto insurance rates and will probably save if they switch.

Potential customers who may not quite match the ideal profile may be forced to pay a higher rate and this results in business not being written. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save the amount stated. This is how insurance companies can confidently make it sound like they have such great auto insurance rates. This really emphasizes why you really should get insurance coverage quotes from several different companies. Because you cannot predict with any certainty which company will have the best rates at this point in time.

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

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Auto insurance coverage information

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability – Liability coverage can cover damage or injury you incur to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like loss of income, legal defense fees, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, surgery, ambulance fees, EMT expenses and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hail damage, falling objects, fire damage and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – This coverage will pay to fix damage to your Express Cargo resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, scraping a guard rail, backing into a parked car, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

The bottom line

Affordable 2005 Chevy Express Cargo insurance can be found on the web and from local agencies, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some insurance coverage companies may not provide price quotes online and most of the time these smaller providers sell through independent agents.

Consumers switch companies for a number of reasons such as unfair underwriting practices, high prices, policy non-renewal and even not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

When searching for affordable insurance coverage quotes, do not sacrifice coverage to reduce premiums. In many instances, an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest cost while still protecting your assets.

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