1995 Chevrolet Astro Cargo Car Insurance Quotes – 10 Tricks for Cheapest Rates

Buyers have a choice when searching for low-cost Chevy Astro Cargo insurance. You can either spend your time contacting agents trying to get quotes or use the internet to compare rates. There is a better way to buy auto insurance so we’re going to tell you the quickest way to compare rates on a Chevy and find the lowest possible price from local insurance agents and online providers.

Compare the Market for Insurance Coverage

Finding a better price on insurance coverage is actually quite simple. The only thing you need to do is invest a few minutes getting comparison quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do boring form submissions for each company you want a rate for. One quote request gets you price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to analyze rates is to manually visit the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want to compare Progressive, Allstate and GEICO. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient way of comparing rate quotes is to spend time driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. Drivers can compare online quotes but buy from a local insurance agent. We’ll cover that shortly.

Whichever way you use, make absolute certain that you use the exact same coverage limits and deductibles on every quote. If each company quotes different deductibles you can’t possibly determine which rate is truly the best.

Be sure to get all your discounts

Car insurance companies don’t always publicize all their discounts very clearly, so we break down some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit possible, you are paying more than you should be.

  • Accident Free – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Senior Citizens – Mature drivers may receive a discount up to 10% on Astro Cargo coverage.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

For a list of companies who offer auto insurance discounts, click here.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions might point out if your situation would benefit from an agent’s advice.

  • When should I not file a claim?
  • Why do I need rental car insurance?
  • What are the best liability limits?
  • Does coverage extend to a rental car in a foreign country?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Having a good grasp of insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer, damage from getting keyed and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your Astro Cargo caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, crashing into a ditch, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability

Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims like structural damage, medical expenses, pain and suffering and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for things like surgery, rehabilitation expenses, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

More choices the merrier

You just learned some good ideas how you can compare 1995 Chevy Astro Cargo insurance prices online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from the least-expected company.

Consumers change insurance companies for a variety of reasons including questionable increases in premium, delays in paying claims, high prices and even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

Lower-priced insurance can be purchased on the web as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

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