2013 Chevrolet Express Cargo Insurance Quotes – 5 Ideas for Best Rates

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Believe me when I say you’re not alone. Multiple car insurance companies compete for your business, so it’s not easy to compare every insurance company to get the cheapest price

It’s a great practice to check insurance prices occasionally because insurance rates change frequently. Just because you found the best price on Express Cargo insurance a few years ago other companies may now be cheaper. Starting right now, block out anything you think you know about insurance because you’re going to get a crash course in how to quote online to find lower rates on insurance.

If you have insurance now or are looking for a new policy, you can learn to find better prices and still get good coverage. Finding affordable coverage is quite easy. Consumers just need to understand the most efficient way to shop over the internet.

Save on Chevy Express Cargo insurance

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so we break down both the well known as well as the least known car insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Paperless Signup – Certain companies give back up to $50 for buying your policy over the internet.
  • Clubs and Organizations – Being a member of a professional or civic organization may earn a discount when shopping for car insurance on Express Cargo insurance.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Express Cargo insurance.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of providers with the best car insurance discounts, click here to view.

Finding Car Insurance

Shopping for lower car insurance rates can be exhausting if you don’t know the most efficient way to do it. You can spend countless hours driving to agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many insurance companies take part in a program that allows shoppers to submit their information once, and each company then returns a price quote for coverage. This eliminates the need for quote requests for every car insurance company.

To submit your quote information now, click to open in new window.

The only downside to using this type of system is you cannot specify which insurance companies to get pricing from. If you would rather choose individual companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverages and limits for each comparison quote. If you have mixed coverages it’s not possible to decipher which rate is best.

Tailor your coverage to you

When choosing proper insurance coverage, there is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation will benefit from professional help.

  • Does my personal policy cover me when driving out-of-state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my ex-spouse still covered by my policy?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?
  • Do I really need UM/UIM coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Can switching companies really save?

Consumers can’t get away from ads that promise big savings from companies such as State Farm and Allstate. All the companies make an identical promise that you’ll save big if you move your policy.

How does each company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the right customer that makes them money. For example, a preferred risk might be profiled as between 25 and 40, has no tickets, and chooses high deductibles. A driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who do not match the requirements will be charged a more expensive rate and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently make the claims of big savings. That is why you should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will give you the biggest savings on Chevy Express Cargo insurance.

Insurance policy coverages for a 2013 Chevy Express Cargo

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as nursing services, doctor visits and EMT expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, theft, hitting a deer and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like loss of income, bail bonds and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2013 Chevy Express Cargo.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

This will pay to fix damage to your Express Cargo resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, damaging your car on a curb, sideswiping another vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

One last thing

Discount 2013 Chevy Express Cargo insurance is available online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

We just presented many ways to save on insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from an unexpected company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at a price you can afford.

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