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.

Searching for better insurance prices for a Chevy Express Cargo can normally be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the quickest way to get price quotes for a new or used Chevy and obtain the cheapest rates either online or from local insurance agents.

It’s important to do rate comparisons periodically since insurance prices change quite often. Even if you think you had the best deal on Express Cargo insurance at your last renewal the chances are good that you can find a lower premium rate today. You’ll find a ton of advice on insurance coverage on the web, but we’re going to give you some great ways to lower your insurance coverage premiums.

If you have a current car insurance policy or need new coverage, you can use these tips to get lower rates and possibly find even better coverage. Shopping for the cheapest protection is not that difficult. Consumers just need to know the most efficient way to get comparison rates online.

Seven tips to get cheap insurance rates

Multiple criteria are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving history, but other criteria are less obvious like your vehicle usage or your commute time.One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help calculate the price you pay for car insurance. If you know what determines premiums, this helps enable you to make changes that may reward you with lower car insurance prices.

  • Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and reduced instances of injuries means less claims paid and lower rates for you.
  • Save money by raising deductibles – The deductibles define how much you are required to spend before a claim is paid by your company. Protection for physical damage, aka comp and collision, insures against damage to your car. Examples of covered claims could be a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The more expense the insured has to pay upfront, the bigger discount you will receive on Express Cargo insurance.
  • Employer stress can make you pay more – Careers such as military generalspolice officers and financial analysts have higher rates than the rest of us because of intense work requirements and long work hours. On the flip side, jobs like farmers, athletes and retirees get better rates on Express Cargo insurance.
  • Discounts for multiple policies – Lots of insurance companies apply a discount to policyholders that buy multiple policies such as combining an auto and homeowners policy. This can amount to ten percent or more. Even if you qualify for this discount already, it’s always a smart idea to compare other insurance prices to help ensure you have the lowest rates.
  • City dwellers may pay more – Residing in small towns and rural areas can be a good thing when talking about car insurance. Lower population means reduced accidents and a lower car theft rate. People in densly populated areas regularly have much more traffic and longer commute times. Higher commute times means higher likelihood of an accident.
  • Save money by having good credit – An insured’s credit score is likely to be a major factor in determining your rates. People with good credit tend to file fewer claims and have better driving records than drivers with poor credit. So if your credit history is not that good, you may save money insuring your 2014 Chevrolet Express Cargo by improving your rating.
  • Getting married is a bonus – Having a wife or husband can actually save you money on your car insurance bill. Marriage usually means you are more responsible and insurance companies like that married drivers tend to file fewer claims.

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

secured lock Secured with SHA-256 Encryption

How to get insurance price quotes

Comparing insurance rates can be a lot of work if you don’t understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

Most of the larger companies participate in a marketplace where prospective buyers enter their coverage request one time, and every company provides a quote based on that data. This eliminates the need for quote forms to each individual insurance company.

To use this form to compare rates click here (opens in new window).

One minor caviat to comparing rates this way is buyers cannot specifically choose the companies to get pricing from. If you wish to select specific providers to request quotes from, we have a page of insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just do your best to use apples-to-apples coverage limits on every quote. If your comparisons have differing limits you will not be able to determine the lowest rate for your Chevy Express Cargo.

Double check you’re getting with these discounts

Some insurance providers don’t list every discount very clearly, so the list below contains some of the more common and the more hidden credits available to bring down your rates. If you’re not getting every credit possible, you are paying more than you should be.

  • Discount for Good Grades – Maintaining excellent grades may save as much as 25% on a car insurance quote. Earning this discount can benefit you up until you turn 25.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance too.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
  • Discounts for New Vehicles – Insuring a vehicle that is new is cheaper because new vehicles have to meet stringent safety requirements.
  • Sign Early and Save – A few companies allow discounts for switching companies before your current policy expires. You could save around 10% when you buy car insurance online.
  • Anti-theft Discount – Cars and trucks with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Save with More Vehicles Insured – Insuring multiple vehicles on a single policy can get a discount for every vehicle.

We need to note that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. So when the math indicates you could get a free car insurance policy, you won’t be that lucky.

Large car insurance companies and a partial list of their discounts are shown below.

  • Progressive offers discounts for continuous coverage, online signing, good student, multi-vehicle, and homeowner.
  • MetLife may include discounts for good student, claim-free, accident-free, good driver, multi-policy, defensive driver
  • Mercury Insurance has discounts for good driver, location of vehicle, ease of repair, annual mileage, accident-free, and type of vehicle.
  • Nationwide offers premium reductions for multi-policy, anti-theft, family plan, easy pay, defensive driving, business or organization, and good student.
  • GEICO may offer discounts for air bags, defensive driver, multi-vehicle, military active duty, membership and employees, and anti-theft.
  • AAA discounts include pay-in-full, multi-policy, good student, good driver, and anti-theft.

If you need the cheapest car insurance quotes, ask every insurance company what discounts are available to you. Some discounts listed above might not be offered everywhere. If you would like to choose from a list of providers offering car insurance discounts, click here.

Your situation helps dictate your coverage

When choosing coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help you determine whether you may require specific advice.

  • Do I need motorclub coverage?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when using my vehicle for business?
  • What if I owe more than I can insure my car for?
  • How does medical payments coverage work?
  • Will filing a claim cost me more?
  • What is the minimum liability in my state?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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

secured lock Secured with SHA-256 Encryption

Insurance coverage specifics

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Express Cargo.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverage

Liability insurance can cover damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like repair bills for other people’s vehicles, bail bonds and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses such as nursing services, chiropractic care, doctor visits, hospital visits and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from getting keyed, hitting a deer and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage covers damage to your Express Cargo resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, colliding with a tree, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Better coverage you can count on

We covered a lot of techniques to save on 2014 Chevy Express Cargo insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive car insurance. Consumers could even find that the lowest premium rates come from a small local company.

When shopping online for car insurance, make sure you don’t sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Cost effective 2014 Chevy Express Cargo insurance is definitely available online and from local agencies, and you should compare rates from both to have the best selection. A few companies may not provide rates over the internet and usually these small insurance companies only sell through local independent agencies.

To learn more, take a look at the articles below: