2016 Chevrolet Express Cargo Insurance Cost – 6 Ideas for Best Prices

Trying to find the cheapest insurance for a new or used Chevy Express Cargo could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to shop for insurance and you need to know the absolute fastest way to price shop coverage on a Chevy and locate the lowest possible price.

Cheapest auto insurance price quotes

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way. You could waste time driving to insurance companies in your area, or you could save time and use online quotes to get pricing more quickly.

All the larger companies take part in a program where insurance shoppers send in one quote, and each participating company then returns a price quote based on that information. This eliminates the need for quotation requests for each company you want a rate for.

To use this form to compare rates click here to start a free quote.

The single downside to using this type of form is you are unable to specify which companies to get pricing from. So if you want to select from a list of companies to receive pricing from, we have a page of auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare identical coverage limits and deductibles with every price quote. If each company quotes different liability limits you will not be able to get a fair rate comparison.

Discount insurance quotes

Some insurers don’t always advertise the complete list of policy discounts very clearly, so we break down both the well known and the harder-to-find discounts that may be available. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less due to better safety requirements for newer vehicles.
  • Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts can receive discounts up to 30%.
  • Defensive Driver Discount – Passing a driver safety course may get you a small discount if your company offers it.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
  • Discounts for Federal Employees – Federal government employees can save as much as 8% for Express Cargo coverage with some insurance companies.
  • Own a Home – Owning a house can save you money because owning a home is proof that your finances are in order.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount should definitely cut the cost of coverage.

The best insurance companies and their offered discounts can be read below.

  • American Family policyholders can earn discounts including defensive driver, bundled insurance, early bird, TimeAway discount, air bags, good driver, and accident-free.
  • Nationwide may offer discounts for Farm Bureau membership, easy pay, multi-policy, anti-theft, business or organization, and defensive driving.
  • MetLife may have discounts that include multi-policy, accident-free, defensive driver, claim-free, good student, and good driver.
  • 21st Century has savings for driver training, good student, defensive driver, 55 and older, and theft prevention.
  • Farmers Insurance has discounts for teen driver, switch companies, youthful driver, bundle discounts, electronic funds transfer, good student, and business and professional.
  • Allstate offers discounts for eSmart discount, safe driver, 55 and retired, EZ pay plan discount, farm vehicle, premier discount, and multi-policy.

Double check with each company or agent which discounts you qualify for. All car insurance discounts might not apply in your state.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Will my rates increase for filing one claim?
  • Can I afford to buy a different vehicle if my 2016 Chevy Express Cargo is totaled?
  • Do I need PIP coverage since I have good health insurance?
  • How much can I save by bundling my policies?
  • When should my teen driver be added to my policy?
  • Should I get collision insurance on every vehicle?
  • Is upholstery damage covered by car insurance?
  • When should I drop full coverage on my 2016 Chevy Express Cargo?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage breakdown

Understanding the coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

This coverage will pay to fix damage to your Express Cargo resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like ambulance fees, EMT expenses, chiropractic care, dental work and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

This coverage provides protection from damage that occurs to a person or their property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like medical services, pain and suffering, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

The bottom line

As you restructure your insurance plan, do not reduce needed coverages to save money. In many instances, drivers have reduced liability coverage limits only to regret that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Budget-conscious 2016 Chevy Express Cargo insurance is available both online in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some companies do not provide rates over the internet and many times these small insurance companies provide coverage only through independent agents.

In this article, we presented many tips how you can lower your 2016 Chevy Express Cargo insurance prices. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even find the lowest prices are with some of the lesser-known companies.

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