2002 Chevrolet Express Cargo Insurance Rates – 5 Policy Discounts

No one in their right mind enjoys paying for insurance, especially knowing the cost is way too high.

Many insurance companies compete for your business, so it can be very hard to choose a company and get the best coverage at the cheapest price

It’s important to get comparison quotes once or twice a year due to the fact that insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rates for Express Cargo insurance last year a different company probably has better rates today. Don’t believe everything you read about insurance online but with this article, you’re going to get the best ways to find cheap insurance.

Which Insurance is Cheapest?

There are several ways to compare rate quotes from different insurance companies. By far the easiest way to compare 2002 Chevy Express Cargo insurance prices consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

The recommended way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This type of form saves time by eliminating separate quotes for every insurance company. Completing one form will get you price quotes from multiple low-cost companies.

A harder way to shop for insurance online is going to each individual company website and fill out their own quote form. For example, let’s assume you want rates from USAA, Allstate and Travelers. To get each rate you have to go to every website and enter your information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

The hardest way of getting rate comparisons is to drive around to local insurance agencies. The internet can eliminate the need for a local agent unless you prefer the professional advice of a licensed agent. You can, however, find lower rates online and get advice from an agent in your area and we’ll talk about that later.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverage limits for every quote you compare. If you use different deductibles you can’t possibly determine the best price for your Chevy Express Cargo. Slightly different coverages may result in a large different in cost. And when price shopping your coverage, having more price comparisons helps locate lower pricing.

Discounts are available to cut your rates

Car insurance companies don’t always advertise every discount in an easy-to-find place, so we researched both well-publicized and the more hidden discounts you could be receiving.

  • Sign Online – Certain companies may give you up to $50 just for signing your application on their website.
  • College Student – Children who are attending college and don’t have a car may qualify for this discount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

To see a list of insurers who offer insurance discounts, click this link.

Everyone needs different coverages

When buying adequate coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is there coverage for injuries to my pets?
  • Is extra glass coverage worth it?
  • Do I need more liability coverage?
  • How much underlying liability do I need for an umbrella policy?
  • When should I remove comp and collision on my 2002 Chevy Express Cargo?
  • Why do I need rental car insurance?
  • How do I insure my teen driver?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Insurance specifics

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages available from insurance companies.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Express Cargo.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as nursing services, prosthetic devices and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability – This coverage protects you from damages or injuries you inflict on people or other property. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as loss of income, court costs and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, hitting a deer, a broken windshield, damage from flooding and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Summing up your insurance search

Cheaper 2002 Chevy Express Cargo insurance can be purchased both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We just covered quite a bit of information on how to get a better price on insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance comes from a small local company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

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