How Much Does 2011 Chevrolet Express Cargo Insurance Cost?

Want cheaper insurance rates for your Chevrolet Express Cargo? Nobody I know looks forward to buying insurance, particularly when their premiums are through the roof.

Consumers have many insurers to buy insurance from, and although it’s a good thing to have a selection, lots of choices makes it harder to find a good deal.

Finding affordable coverage is quite easy. If you currently have car insurance, you should be able to cut costs considerably using these techniques. Nevertheless, consumers should learn how the larger insurance companies sell online because it can help you find the best coverage.

How to Lower Your Insurance Cost

There are a lot of ways to compare insurance prices but some are less time-consuming than others. You can waste a lot of time driving to agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and at least one company returns a rated price based on the submitted data. This eliminates the need for quote forms for each company.

To participate in this free quote system, click here (opens in new window).

The only downside to doing it this way is you cannot specify which providers to receive prices from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage information on every quote you get. If each company quotes different deductibles you will not be able to determine the best price for your Chevy Express Cargo. Slightly different coverage limits may result in a large different in cost. And when comparison shopping, having more price comparisons will increase your chances of finding the best price.

Companies offer discounts so take them!

Companies do not list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance.

  • Save over 55 – Mature drivers may receive reduced rates on Express Cargo coverage.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.
  • Own a Home – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Express Cargo coverage than drivers with accidents.
  • Air Bag Discount – Cars that have air bags may earn rate discounts of 20% or more.
  • Club Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on insurance on Express Cargo coverage.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.

A partial list of companies that may offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. Some discounts may not be available in your area.

Do I just need basic coverages?

When it comes to buying coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Is upholstery damage covered by car insurance?
  • Why am I required to buy liability insurance?
  • What is an SR-22 filing?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need an umbrella policy?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Factors that can influence insurance rates for a Chevy Express Cargo

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

The list below includes a few of the “ingredients” auto insurance companies consider when setting your rates.

  • Careful drivers pay lower rates – Whether or not you get tickets has a big impact on rates. Good drivers get better rates than people who have multiple driving citations. Only having one speeding ticket can increase rates forty percent or more. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Mature drivers pay less – Teenage drivers tend to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets.
  • Marriage pays dividends – Being married can actually save you money when buying auto insurance. Having a spouse means you’re more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • Bundling policies can get discounts – Many companies will give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to compare other company rates to ensure the best deal. You may still find better rates by insuring with multiple companies.

Slick advertising tricks that work

Insurance providers like Progressive, Geico, Allstate and State Farm continually stream ads in print and on television. They all make an identical promise that you can save after switching your policy. How does each company claim to save you money?

All companies are able to cherry pick for the type of driver that is profitable for them. For instance, a driver they prefer could be a mature driver, has no tickets, and has excellent credit. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Potential insureds who don’t qualify for these standards will be charged higher rates which leads to business not being written. The ad wording is “people who switch” not “everyone that quotes” save that much. That’s why companies can truthfully make the claims of big savings. That is why you absolutely need to quote coverage with many companies. It is impossible to predict which insurance companies will fit your personal profile best.

Car insurance 101

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, fire damage, hail damage and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays for damage to your Express Cargo resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, crashing into a building, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as nursing services, prosthetic devices, ambulance fees, surgery and pain medications. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like medical services, medical expenses, attorney fees, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express Cargo.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Affordable insurance is out there

Affordable 2011 Chevy Express Cargo insurance can be purchased both online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, do not buy less coverage just to save a little money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best price.

More information is available on the following sites: