View 2019 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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I doubt anyone is fond of buying auto insurance, particularly when the cost is too high. Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest price

You should make it a habit to take a look at other company’s rates before your policy renews because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates for Express Cargo coverage on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re going to get a crash course in the right way to save money, get proper coverage and the best rates.

If you have a current auto insurance policy or are just looking to switch companies, you can use this information to find the best rates and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to learn the most effective way to get comparison quotes over the internet.

Lower rates by qualifying for discounts

Insurance is not cheap nor is it fun to buy but there could be available discounts to reduce the price significantly. Some trigger automatically at the time you complete a quote, but some need to be asked for prior to receiving the credit.

  • Discount for Good Grades – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Student in College – Youth drivers who are attending college without a vehicle on campus may qualify for this discount.
  • Pay Early and Save – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
  • Passive Restraints – Options like air bags or motorized seat belts could see savings of 20% or more.
  • Discount for Low Mileage – Low mileage vehicles may enable drivers to earn better rates on cars that stay parked.

As is typical with insurance, most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

To see insurers who offer discounts, enter your zip code here.

The quickest method to compare insurance rates from multiple companies is to understand almost all companies provide online access to give you rate quotes. To get started, all you need to do is give them some information such as whether or not you need a SR-22, which vehicles you own, the ages of drivers, and how your vehicles are used. That rating data is instantly submitted to multiple top-rated companies and they return rate quotes with very little delay.

Insurance is unique, just like you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • What is the minimum liability in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have coverage when pulling a U-Haul trailer?
  • If I drive on a suspended license am I covered?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I lose any money if I cancel my policy before it expires?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your insurance policy

Learning about specific coverages of insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2019 Chevy Express Cargo.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision – This pays for damage to your Express Cargo caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability – Liability insurance protects you from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as repair costs for stationary objects, medical expenses, bail bonds and medical services. How much coverage you buy is your choice, but buy as high a limit as you can afford.

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

Comprehensive coverage protects against things such as a broken windshield, theft, rock chips in glass and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses such as pain medications, dental work, nursing services, chiropractic care and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Final thoughts

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Low-cost 2019 Chevy Express Cargo insurance is definitely available from both online companies and from local agencies, so you need to shop car insurance with both to have the best rate selection. A few companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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