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, 2017

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Drivers have options when trying to find the lowest priced Chevy Express Cargo insurance. They can either spend hours driving around to compare prices or leverage the internet to find the lowest rates.

There are both good and bad ways to buy insurance coverage and you need to know the absolute fastest way to quote coverages for your Chevy and get the lowest price either online or from local insurance agents.

You need to compare rates at least once a year since insurance prices are adjusted regularly by insurance companies. If you had the best rates on Express Cargo coverage a couple years back you will most likely find a better rate quote today. Block out anything you think you know about insurance coverage because we’re going to demonstrate how to use the internet to find great coverage at a great price.

If you have a current insurance coverage policy or are looking for a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. This article will familiarize you with the best way to quote coverages and some money-saving tips. Consumers only need to know the most effective way to shop for insurance coverage over the internet.

The most recommended method to compare rate quotes is to understand car insurance companies provide online access to quote your coverage. To begin a comparison, all you need to do is provide details including if you have a valid license, if the car is leased, how much education you have, and the ages of drivers. Your information is automatically sent to multiple top-rated companies and they return quotes immediately.

The largest companies are not always cheapest

Consumers can’t ignore all the ads that claim the lowest car insurance rates by companies like Allstate, GEICO and Progressive. They all seem to advertise the message about saving some big amount if you move your coverage.

It sounds good, but how can they all charge you a lower premium? It’s all in the words they use.

Insurance coverage companies have a preferred profile for a prospective insured that will generate a profit. For example, a preferred risk might have to be a married male, has other policies, and drives newer vehicles. A propective insured who fits those characteristics will qualify for the lowest car insurance rates and will save money with a new company.

Potential customers who do not fit those standards will have to pay higher rates and this results in business not being written. The wording the ads use say “drivers that switch” not “everybody who quotes” save that kind of money. That is how companies can make claims like that.

This really emphasizes why it is so important to get auto insurance quotes as often as possible. Because without a comparison, you cannot know the company that will have better rates than you’re paying now.

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

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Save money with these discounts

Some insurance providers do not list all available discounts very clearly, so the list below details some of the best known as well as some of the hidden discounts that may be available.

  • Active Service Discounts – Being deployed with a military unit could be rewarded with lower rates.
  • Good Students Pay Less – Being a good student may save as much as 25% on a auto insurance quote. Most companies allow this discount up to age 25.
  • Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home demonstrates responsibility.
  • Early Signing – Some larger companies provide a discount for buying a new policy prior to your current policy expiring. The savings is around 10%.

You should keep in mind that many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. Just because you may think adding up those discounts means a free policy, that’s just not realistic. But any discount will help lower your policy premium.

Auto insurance companies that may include most of the discounts above possibly include:

If you want low cost auto insurance quotes, ask every prospective company which discounts you may be entitled to. Some discounts listed above might not apply in your area. For a list of providers with discount car insurance rates, follow this link.

Car insurance can be complex

When it comes to choosing the best car insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • At what point should I drop full coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Why do I need rental car insurance?
  • Should I sign the liability waiver when renting a car?
  • How much liability do I need to cover my assets?
  • Do I pay less if my vehicle is kept in my garage?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a 2007 Chevy Express Cargo

Having a good grasp of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for pain medications, EMT expenses and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Express Cargo.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, damage from a tornado or hurricane and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This will pay to fix damage to your Express Cargo resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverages

This coverage can cover damage that occurs to other people or property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like funeral expenses, medical services, structural damage, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

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

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Best coverage at the best price

We’ve covered a lot of techniques to get a better price on 2007 Chevy Express Cargo insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the biggest savings come from a small local company.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, lack of trust in their agent, policy cancellation or even high prices. It doesn’t matter why you want to switch choosing a new company is easier than you think.

For more information, link through to the resources below: