2014 Chevrolet Express Cargo Insurance Rates – 7 Policy Discounts

Saving money on insurance is difficult for people who are new to shopping for insurance online. Drivers have so many choices that it can be a challenge to find lower rates.

Fast and Easy Car Insurance Quotes

All the larger car insurance companies such as Geico, State Farm and Progressive give price estimates on their websites. The process is fairly simple as you simply type in the coverages you want into the quote form. When the form is submitted, the system pulls your driving and credit reports and returns a price based on these factors.

This makes it a lot easier to compare rates but the time it takes to visit multiple sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to get many rate quotes if you are searching for lower prices.

There is an easier way!

The easiest way to find better car insurance pricing uses one simple form to get prices from many companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable and efficient. After sending the form, it gets priced and you can select any of the pricing results. If you find a better price you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and you’ll know if lower rates are available.

To save time and find out how much you can save on car insurance, click here and input your coverage information. To compare your current rates, we recommend you input deductibles and limits identical to your current policy. This ensures you will receive a price comparison for similar coverage.

Is there truth in advertising?

Companies like Geico, State Farm and Progressive constantly bombard you with ads in print and on television. All the ads make the same claim that you’ll save big if you switch your coverage to them. How do they all make the same claim? It’s all in the numbers.

Different companies have a preferred profile for the type of customer that earns them a profit. For instance, a preferred risk might be between 30 and 50, has no tickets, and drives newer vehicles. Any new insured that hits that “sweet spot” receives the best rates and as a result will probably cut their rates substantially.

Potential customers who don’t measure up to these standards must pay more money which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently claim big savings. This illustrates why you should get quotes from several different companies. It’s impossible to know which insurance coverage company will provide you with the cheapest Chevy Express Cargo insurance rates.

Are you getting all your discounts?

Companies that sell car insurance don’t always list every discount in an easy-to-find place, so here is a list some of the best known as well as the least known car insurance savings.

  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break when shopping for car insurance on Express Cargo coverage.
  • Accident Waiver – A handful of insurance companies permit an accident before your rates go up if your claims history is clear prior to the accident.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Life Insurance – Some companies give a discount if you purchase life insurance from them.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of companies offering car insurance discounts, click here to view.

When might I need an agent?

When choosing coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

  • How can I get high-risk coverage after a DUI?
  • Is my Chevy Express Cargo covered if I use it for business?
  • Are my friends covered when driving my car?
  • Does my 2014 Chevy Express Cargo need full coverage?
  • How high should my medical payments coverage be?
  • How can I force my company to pay a claim?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance policy coverages for a 2014 Chevy Express Cargo

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as rehabilitation expenses, doctor visits, surgery and hospital visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision – This coverage covers damage to your Express Cargo caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, damaging your car on a curb, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Express Cargo.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability car insurance – This coverage can cover injuries or damage you cause to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hail damage, damage from a tornado or hurricane, falling objects and fire damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be a smart shopper

As you restructure your insurance plan, do not buy less coverage just to save a little money. Too many times, drivers have reduced full coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, lack of trust in their agent and high rates after DUI convictions. It doesn’t matter what your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

The cheapest 2014 Chevy Express Cargo insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide online quoting and most of the time these small insurance companies sell through independent agents.

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