Cheaper 1994 Chevrolet Astro Cargo Insurance Rates

Are you sick and tired of scraping the payment together to insure your Chevy every month? You’re in the same situation as many other drivers.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with fancy advertisements and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s important to price shop coverage quite often because insurance rates are adjusted regularly by insurance companies. Just because you had the lowest price for Astro Cargo coverage two years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so by reading this article, you’re going to learn some excellent ideas to slash your auto insurance rates.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Buying car insurance is not rocket science. But drivers benefit from understanding how companies price insurance differently and take advantage of how the system works.

Pieces of the Chevy Astro Cargo insurance rate puzzle

Consumers need to have an understanding of the rating factors that help determine car insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

The following are some of the items that factor into your rates.

  • Protect your assets with liability insurance – Liability insurance provides coverage when you are found liable for damages caused by your negligence. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • More than one policy can earn a discount – Most insurance companies provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for car insurance? Careers like doctors, architects and stock brokers tend to pay the highest rates due to high stress levels and lengthy work days. On the other hand, occupations like pilots, students and performers have the lowest average rates for Astro Cargo coverage.
  • What are your deductibles? – Physical damage deductibles represent how much money you are required to spend in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more money you’re willing to pay, the lower your rates will be for Astro Cargo coverage.
  • Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both cause accidents in similar numbers, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Discounts for married couples – Having a wife or husband helps lower the price on car insurance. Marriage usually means you are more mature than a single person it has been statistically shown that married drivers get in fewer accidents.

Verify you’re getting all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but some may not be applied and must be manually applied before you get the savings.

  • Own a Home – Owning a house may trigger a insurance coverage policy discount because of the fact that having a home requires personal responsibility.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may save up to 20% off your total premium.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Astro Cargo coverage.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Astro Cargo coverage than their less cautious counterparts.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Astro Cargo coverage with select insurance companies.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Distant Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • Early Signing – Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, companies don’t profit that way. Any qualifying discounts will help reduce your premiums.

For a list of insurers with the best insurance coverage discounts, click here.

When should I talk to an agent?

When buying coverage, there is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is the ISO rating for a 1994 Chevy Astro Cargo?
  • Should I buy additional glass protection?
  • Do I need replacement cost coverage on my 1994 Chevy Astro Cargo?
  • Are split liability limits better than a combined single limit?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

What car insurance coverages do you need?

Knowing the specifics of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for doctor visits, dental work, rehabilitation expenses and pain medications. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1994 Chevy Astro Cargo.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, court costs, medical expenses, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Shop Smart and Save

You just learned a lot of techniques to lower your 1994 Chevy Astro Cargo insurance rates. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the best prices are with a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

Lower-priced insurance is attainable online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

More information is available at the links below