Lower Your 2014 Chevrolet Express Cargo Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 30, 2024

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Want better auto insurance rates? Drivers have many options when trying to find the lowest priced Chevy Express Cargo insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to get rate quotes.

There is a better way to shop for auto insurance and you need to know the best way to get price quotes for a Chevy and obtain the cheapest rates from local insurance agents and online providers.

The purpose of this article is to teach you the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. Vehicle owners just need to know the most efficient way to find the lowest price online.

More affordable rates with these insurance coverage discounts

Car insurance can cost a lot, but you can get discounts to help bring down the price. A few discounts will automatically apply when you quote, but a few need to be requested specifically before you get the savings.

  • Cautious Driver Discount – Drivers without accidents can save as much as half off their rates on Express Cargo coverage compared to rates paid by drivers with frequent claims.
  • Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • New Car Discount – Adding a new car to your policy can save you some money compared to insuring an older model.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Club Memberships – Belonging to certain professional organizations can get you a small discount when shopping for insurance coverage.
  • Senior Citizen Discount – Seniors can get a small discount on rates on Express Cargo coverage.
  • Homeowners Savings – Simply owning a home can save a few bucks because of the fact that having a home is proof that your finances are in order.
  • No Claim Discounts – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.

You should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

Auto insurance companies that may offer most of the discounts above include:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

Check with each company or agent what discounts are available to you. Some discounts might not be available to policyholders in your state.

Five things that impact your insurance premiums

A large part of saving on car insurance is knowing some of the elements that are used to determine the level of your policy premiums. If you know what influences your rates, this allows you to make educated decisions that could result in lower rates.

The following are some of the factors used by insurance companies to determine your rates.

  • The higher your credit rating the lower your premiums – Having a good credit rating will be a significant factor in your rate calculation. So if your credit is low, you could potentially save money when insuring your 2014 Chevrolet Express Cargo by spending a little time repairing your credit. People with good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • High premiums for youthful drivers – Inexperienced drivers are proven to be more careless with other occupants in the car therefore car insurance rates are much higher. Adding a inexperienced driver onto a policy can really hurt. Older people have been proven to be more responsible, cost insurance companies less in claims and are safer drivers.
  • Lower stress equals lower premiums – Occupational choices like military generals, social workers and medical professionals tend to have higher premium rates because of job stress and long work days. Other occupations such as scientists, athletes and retirees receive lower rates on Express Cargo coverage.
  • Men pay higher costs – Statistics show women tend to be less risk to insure than men. It does not mean men are worse drivers. Women and men get in at-fault accidents in similar percentages, but the men tend to have more serious accidents. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • Theft deterrents lowers car insurance rates – Buying a car that has a built-in theft deterrent system can get you a discount on your car insurance. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms help track and prevent car theft and help bring rates down.

Insurance can get complicated

When buying the best insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need PIP coverage since I have good health insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I buy additional glass protection?
  • Am I covered if my car is in a flood?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete your zip code. It only takes a few minutes and may give you better protection.

Coverages available on your car insurance policy

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision coverage pays for damage to your Express Cargo caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, hitting a parking meter, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, damage from getting keyed, damage from flooding and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for pain medications, ambulance fees, chiropractic care and funeral costs. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability coverages

This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, medical expenses and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Shop. Compare. Save.

Consumers change insurance companies for any number of reasons including delays in paying claims, high prices, unfair underwriting practices and even not issuing a premium refund. It doesn’t matter why you want to switch switching insurance companies is pretty easy and you might even save some money in the process.

You just read many ways to compare 2014 Chevy Express Cargo insurance premium rates online. It’s most important to understand that the more times you quote, the better likelihood of getting low cost car insurance. Consumers could even find that the lowest premium rates come from an unexpected company.

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

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