Save on 2020 Chevrolet Express Cargo Insurance Cost 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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Trying to find cheaper auto insurance rates for your Chevrolet Express Cargo? Searching for cheaper insurance for your Chevy Express Cargo could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to buy auto insurance so we’re going to tell you the best way to quote coverages on a Chevy and find the lowest price from both online companies and local agents.

Buying car insurance is not that difficult. If you have insurance now or need a new policy, you can use this information to shop for the lowest rates and possibly find even better coverage. Consumers just need to know the most effective way to compare rates online.

How to buy car insurance online

Finding low cost 2020 Chevy Express Cargo car insurance prices doesn’t have to be difficult. Consumers just need to spend a few minutes on the computer to get quotes to discover which company has low cost insurance quotes. This can be accomplished in several different ways.

  1. The most efficient way to get quotes would be an industry-wide quote request form. This easy form saves time by eliminating separate forms for every company. One form submission gets prices estimates direct from many companies. Just one form and you’re done.
  2. A slightly less efficient method to shop for car insurance online requires visiting the website for each individual company and repeat the quote process again and again. For sake of this example, we’ll assume you want to view quotes from Auto-Owners, Progressive and GEICO. To do that, you would have to spend time on each company’s site to input your insurance information, which can get rather old.

Take whichever approach you prefer, but ensure you are comparing apples-to-apples coverage data for each quote you get. If you enter different data it will be impossible to make a fair rate comparison.

Lower rates by qualifying for discounts

Insurance is neither fun to buy or cheap, but you might find some hidden discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you purchase, but a few need to be specially asked for before you will receive the discount. If you don’t get every credit you deserve, you could be getting lower rates.

  • Discount for Switching Early – Some insurance companies give discounts for signing up early. You could save around 10% when you buy insurance online.
  • Low Miles Discount – Driving less can earn lower insurance rates due to less chance of an accident.
  • Homeowners Discount – Just owning your own home may trigger a policy discount on insurance since owning and maintaining a home shows financial diligence.
  • First Accident Forgiveness – Not necessarily a discount, but some insurance companies may permit one accident before hitting you with a surcharge as long as you don’t have any claims for a specific time period.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
  • Government Employee Discount – Active or former government employment can save as much as 8% on Express Cargo coverage depending on your company.

Don’t be shocked that most discount credits are not given to the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.

Large insurance companies and their offered discounts are included below.

  • 21st Century may have discounts that include early bird, teen driver, student driver, homeowners, and defensive driver.
  • Progressive discounts include continuous coverage, online quote discount, multi-vehicle, online signing, and multi-policy.
  • State Farm may include discounts for driver’s education, passive restraint, good student, Drive Safe & Save, multiple autos, Steer Clear safe driver discount, and student away at school.
  • Nationwide offers discounts for business or organization, good student, anti-theft, multi-policy, accident-free, easy pay, and family plan.
  • Esurance offers discounts including paid-in-full, good student, Switch & Save, defensive driver, multi-policy, and multi-car.
  • The Hartford includes discounts for anti-theft, good student, air bag, vehicle fuel type, driver training, and defensive driver.

Before buying, ask each company what discounts are available to you. Some of the discounts discussed earlier may not apply to policyholders in your area.

Car insurance is unique, just like you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Is extra glass coverage worth it?
  • Do I need an umbrella policy?
  • What companies insure drivers after a DUI or DWI?
  • Will filing a claim cost me more?
  • What is medical payments coverage?
  • When should my teen driver be added to my policy?
  • How does medical payments coverage work?
  • Is my 2020 Chevy Express Cargo covered for smoke damage?
  • Is my trailer covered?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code. It only takes a few minutes and can provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of a insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability

This coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, dental work, rehabilitation expenses, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hitting a deer, theft and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Express Cargo.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision insurance covers damage to your Express Cargo caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

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