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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Comparing and finding low cost coverage rates for insurance coverage is always quite difficult for drivers new to online price comparisons. With such a large choice of online companies, it can quickly become a difficult challenge to find more affordable prices.

It’s smart to get comparison quotes at least once a year because prices go up and down regularly. Just because you had the lowest rate for Express Cargo coverage two years ago there is a good chance you can find better premium rates now. Block out anything you think you know about insurance coverage because you’re about to find out one of the best ways to reduce your cost while improving coverage.

First Step: Get free insurance coverage quotes

There are a lot of ways to compare insurance coverage prices but one way is more efficient than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could use online quoting to achieve your goal.

Many of the larger companies enroll in a system where insurance shoppers submit one quote, and each company can give them a price based on that information. This prevents consumers from doing form submissions to every company. To use this form to compare rates click here to start a free quote.

The single downside to getting quotes like this is buyers cannot specifically choose the companies you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make darn sure you compare equivalent information on every price quote you get. If the quotes have different values for each quote it’s not possible to determine the best price for your Chevy Express Cargo. Even a minor difference in insurance coverages can make a big difference in price. And when quoting insurance coverage, remember that more quotes increases the change that you will find the best price. Some insurance companies are not set up to provide quotes online, so it’s important to compare rates from them, too.

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

secured lock Secured with SHA-256 Encryption

Discounts for cheaper car insurance rates

Insuring your vehicles can cost a lot, but you might find some hidden discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be inquired about before being credited.

  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Renewal Discounts – Some insurance companies provide a discount for renewing your policy prior to your current policy expiring. This discount can save up to 10%.
  • One Accident Forgiven – Not a discount per se, but a few companies such as Allstate and Progressive will forgive one accident before hitting you with a surcharge if you have no claims for a set time period.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with slightly better car insurancerates than normal.
  • Senior Discount – If you qualify as a senior citizen, you could receive better car insurance rates for Express Cargo coverage.
  • Active Service Discounts – Being on active deployment in the military could trigger a small discount.
  • Driver Safety – Successfully completing a class that teaches driver safety techniques is a good idea and can lower rates depending on where you live.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Save with a New Car – Buying car insurance coverage on a new vehicle can get you a discount since newer models have better safety ratings.
  • Telematics Discount – Drivers who agree to allow driving data submission to monitor when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise might get better premium rates if their driving habits are good.

It’s important to note that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

Some of the larger companies that possibly offer most of these discounts may include but are not limited to:

Before buying, ask each company or agent how you can save money. Depending on the company, some discounts may not apply to policyholders everywhere. For a list of companies who offer discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • When would I need rental car insurance?
  • What vehicles should carry emergency assistance coverage?
  • What can I do if my company denied a claim?
  • Can I get a multi-policy discount?
  • What is covered by UM/UIM coverage?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, hitting a deer, damage from flooding, theft and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other people or property. 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 injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, medical expenses, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses such as surgery, funeral costs, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, crashing into a building, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Express Cargo.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

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

secured lock Secured with SHA-256 Encryption

What is YOUR best insurance company?

Budget-conscious 2006 Chevy Express Cargo insurance can be sourced on the web and from local agencies, so you need to quote auto insurance with both to have the best selection. A few companies don’t offer rate quotes online and these smaller providers only sell coverage through independent agents.

In this article, we presented many ways to lower your 2006 Chevy Express Cargo insurance car insurance rates. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.

While you’re price shopping online, do not reduce needed coverages to save money. There are too many instances where an insured cut full coverage only to find out they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

Other resources