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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Overpriced auto insurance can consume your accounts and put the squeeze on your family’s finances. With so many choices of insurance companies, it is very difficult to pick the lowest price auto insurance provider.

Smart consumers take time to check auto insurance prices quite often since insurance prices trend upward over time. Just because you had the best price on Express Cargo insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn the only way to find great coverage at a great price.

Car insurance policy discounts you can’t miss

Some insurers don’t always publicize the entire discount list in an easy-to-find place, so the following list contains a few of the more well known and the more hidden credits that you can use to lower your rates.

  • Clubs and Organizations – Being in qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
  • Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • 55 and Retired – Seniors can get a slight reduction on a insurance quote on Express Cargo insurance.
  • Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
  • Own a Home – Owning a home can earn you a little savings due to the fact that maintaining a home shows financial diligence.

It’s important to note that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous.

A partial list of companies that may offer quotes with most of the discounts above include:

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Discounts may not apply in your area. To see a list of companies who offer cheap car insurance quotes, follow this link.

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

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Get lower-cost auto insurance with these tips

Multiple criteria are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but some are not quite as obvious such as your credit history or your vehicle rating.Part of the auto insurance buying process is learning the different types of things that are used to determine the level of your policy premiums. When you understand what determines premiums, this allows you to make good choices that can earn you lower rates.

  • Where you reside factors in – Having an address in less populated areas of the country can be a good thing when insuring your vehicles. Fewer people means less chance of accidents in addition to fewer liability claims. People who live in big cities have traffic congestion and more severe claims. The longer drive time means more chance of being in an accident.
  • Prices increase with policy add-ons – There are a ton of additional coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like vanishing deductibles, accident forgiveness, and motor club memberships are probably not needed. They may sound like good ideas at first, but now you might not need them so eliminate them to save money.
  • Increase coverage deductibles and save – Coverage for physical damage, aka comp and collision, covers your vehicle from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and rolling your vehicle. The deductibles define how much you are required to spend if a covered claim is submitted. The more expense you are required to pay out-of-pocket, the better rate you will receive on Express Cargo insurance.
  • Teenage drivers pay more – Beginning drivers are proven to get distracted easily with other occupants in the car and because of this, their auto insurance rates are much higher. More experienced drivers tend to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions could help you determine whether you could use an agent’s help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • What is the rate difference between pleasure use and commuting?
  • Should I get collision insurance on every vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Will my rates increase for filing one claim?
  • How high should my medical payments coverage be?
  • Why does it cost so much to insure a teen driver?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When can I cancel my policy?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Comprehensive auto insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, hail damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage covers damage to your Express Cargo resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, EMT expenses, X-ray expenses, surgery and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, structural damage and medical services. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy Express Cargo.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

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

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Have money to burn

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

We’ve covered a lot of ways to reduce 2010 Chevy Express Cargo insurance prices online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper insurance. Consumers could even find that the lowest prices come from the smaller companies. They can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

For more information, link through to the resources below: