How Much Does 2013 Chevrolet Express Cargo Car Insurance Cost in 2024?
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Looking for better insurance coverage rates for your Chevrolet Express Cargo? Expensive insurance coverage can dry up your savings and maybe even restrict other spending. Comparing cost estimates is a fast and free way to make sure you’re not throwing money away.
Lots of insurance companies contend for your hard-earned dollar, so it can be very hard to choose a provider and get the definite lowest rate
It is always a good idea to compare premium rates at least once a year since insurance prices are constantly changing. If you had the best quotes on Express Cargo coverage a few years ago you can probably find a better rate now. You can search a lot of insurance coverage on the web, but in just a couple of minutes you can learn some good information on how to buy insurance coverage cheaper.
If you are insured now or need new coverage, you can use this information to cut your premiums while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know the proper way to find the lowest price over the internet.
Shop insurance online
Shopping for lower insurance rates can be exhausting if you don’t utilize the most efficient way to do it. You could waste time driving to agents in your area, or you can stay home and use online quoting to quickly compare rates.
Many popular insurance companies belong to a marketplace where prospective buyers submit their information once, and at least one company provides a quote determined by their information. This saves time by eliminating quote requests to each individual insurance company. To enter your information into the quoting system, enter your zip code here.
The single downside to doing it this way is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to choose individual companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click to enter zip code.
Take whichever approach you prefer, but be sure you’re using identical coverage information for every company. If you use different liability limits it will be next to impossible to determine the lowest rate for your Chevy Express Cargo.
Discounts for lower-cost auto insurance rates
Insurance can cost an arm and a leg, but there’s a good chance there are discounts to help offset the cost. Many discounts should be triggered at the time of purchase, but a few must be asked about before you get the savings.
- Homeowners Savings – Owning a home can get you a discount because owning a home shows financial diligence.
- Discount for Low Mileage – Driving less may enable drivers to earn lower auto insurance rates on the low mileage vehicles.
- Student in College – Older children who are attending college and leave their car at home could qualify for this discount.
- Save with More Vehicles Insured – Buying a policy with primary and secondary vehicles with the same company can get a discount on all vehicles.
- Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- 55 and Retired – Drivers over the age of 55 may be able to get a slight reduction on a auto insurance quote on Express Cargo coverage.
- Professional Memberships – Being a member of certain professional organizations can get you a small discount on your next auto insurance statement.
- Driver’s Education for Students – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
Remember that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
Some of the larger companies that have these benefits include:
- State Farm
- GEICO
- SAFECO
- Farmers Insurance
- AAA
- USAA
When quoting, ask each insurance company to give you their best rates. Some discounts may not be available in your area. To find insurers that offer the discounts shown above, enter your zip code here.
Tailor your insurance coverage coverage to you
When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from an agent’s advice.
- If my pet gets injured in an accident are they covered?
- Do I need special endorsements for business use of my vehicle?
- Do I need replacement cost coverage?
- Is my 2013 Chevy Express Cargo covered for smoke damage?
- Do I need higher collision deductibles?
- How high should my medical payments coverage be?
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and may give you better protection.
How your Express Cargo insurance rates are determined
Smart consumers have a good feel for a few of the rating criteria that come into play when calculating your premiums. If you understand what impacts premium levels, this enables you to make decisions that can help you get lower auto insurance prices. Many factors are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving record, although some other factors are more obscure like your vehicle usage or how safe your car is.
- Extra policy coverages can add up – There are a lot of extra bells and whistles that you can buy if you don’t pay attention. Add-on coverages like personal injury protection, death and dismemberment, and extra life insurance coverage could be just wasting money. The coverages may be enticing when deciding what coverages you need, but now you might not need them so get rid of them and save.
- Better rates with anti-theft devices – Buying a car with a theft deterrent system can help bring down rates. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
- Annual miles is a factor – The more you drive in a year the more it will cost to insure it. A lot of companies rate vehicles based on their usage. Cars and trucks that do not get driven very much qualify for better rates than those that get driven frequently. Incorrect rating for your Express Cargo can cost quite a bit. Verify your auto insurance policy correctly shows how each vehicle is driven.
- Prices also based on gender – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Males and females have at-fault accidents in similar numbers, but the men have costlier accidents. Not only that, but men also get cited for more serious violations such as DWI and reckless driving.
- Five star crash test rating saves money – Safer cars tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and fewer injuries means less claims paid which can result in lower premiums. If your Chevy Express Cargo is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
- Small claims can cost you – If you frequently file small claims, you can look forward to increased rates or even have your policy non-renewed. Car insurance companies give the lowest premiums to policyholders who are not frequent claim filers. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Coverage specifics
Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.
Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as theft, damage from a tornado or hurricane, fire damage and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills for nursing services, pain medications and prosthetic devices. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Liability – Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things like medical expenses, structural damage and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision coverages – Collision coverage will pay to fix damage to your Express Cargo resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Summing up your insurance coverage search
In this article, we presented a lot of tips how to get a better price on 2013 Chevy Express Cargo insurance. It’s most important to understand that the more you quote auto insurance, the higher the chance of saving money. You may even discover the lowest car insurance rates come from a lesser-known regional company. Smaller companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm or Progressive.
As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. Too many times, consumers will sacrifice liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.
Frequently Asked Questions
- What is a named operator policy?
- Will Geico insure a car not in my name?
- What Is Covered in a Jeep Powertrain Warranty? 2024
- Cheapest Jeep Insurance Rates in 2024
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Dodge Ram Insurance
- Honda CR-V Insurance
- Nissan Rogue Insurance
- Toyota Sienna Insurance
- Ford Edge Insurance
- Toyota Rav4 Insurance
- Chevrolet Cruze Insurance
- Ford F-150 Insurance
- Chevrolet Silverado Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area