Save on 1996 Chevrolet Astro Car Insurance Quotes

Paying for high-priced Chevrolet Astro insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away. There is such a variety of car insurance companies to buy insurance from, and although it’s a good thing to have a selection, so many choices can make it hard to compare rates and find the lowest cost auto insurance.

It’s a great practice to take a look at other company’s rates before your policy renews since rates tend to go up over time. Even if you think you had the lowest rates on Astro coverage a year ago other companies may now be cheaper. So just forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest and easiest way to remove unneeded coverages and save money.

Don’t miss these discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help offset the cost. Some trigger automatically at the time of purchase, but a few must be asked for prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts of more than 20%.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Own a Home – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • Save with a New Car – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in high school.

Keep in mind that many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.

For a list of insurance companies with the best car insurance discounts, click here.

How to Compare Insurance Coverage

Finding a better price on insurance coverage is a fairly straight forward process. The only thing you need to do is spend a few minutes on the computer to get quotes online from several insurance companies. This can be accomplished using a couple different methods.

One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate quotation requests for every insurance coverage company. One form will return price quotes from multiple companies.

A less efficient way to analyze rates consists of going to each individual company website and complete a new quote form. For examples sake, we’ll assume you want comparison quotes from Liberty Mutual, Farmers and GMAC. You would have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make darn sure you compare identical information for every quote you compare. If you compare differing limits it’s impossible to determine which rate is truly the best.

Factors determining your Chevy Astro insurance premium

It’s important that you understand some of the elements that play a part in calculating auto insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.

  • The more you drive the more you pay – The more you drive in a year’s time the higher your rate. Most insurance companies rate vehicles based on their usage. Cars that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Astro can cost quite a bit.
  • Always keep insurance in force – Not having insurance is against the law and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance might get you a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Mature drivers pay less – Older drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teen drivers have a tendency to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
  • How’s your driving record? – Your driving citation history has a big impact on rates. Good drivers have lower premiums compared to drivers with tickets. Even a single speeding ticket can increase rates forty percent or more. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Multi-policy discounts can save money – Many insurance companies give discounts to people who carry more than one policy. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even though this discount sounds good, you still need to shop around to confirm you are receiving the best rates possible.
  • Add-on coverages can add up – There are a lot of add-on coverages that you can buy on your Astro policy. Insurance for roadside assistance, towing coverage and membership fees may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Do you have a high stress job? – Occupations such as judges, business owners and financial analysts tend to have higher average rates in part from stressful work requirements and lots of time spent at work. Conversely, professions such as actors, engineers and the unemployed receive lower rates on Astro coverage.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If your Chevy scored better than four stars on or an “acceptable” rating on it may be receiving lower rates.

When might I need help?

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • What companies insure drivers after a DUI or DWI?
  • Is my nanny covered when driving my vehicle?
  • When do I need to add a new car to my policy?
  • How much liability do I need to cover my assets?
  • Does coverage extend to a rental car in a foreign country?
  • What discounts do I qualify for?
  • Will I lose any money if I cancel my policy before it expires?
  • Is business property covered if stolen from my car?
  • Is extra glass coverage worth it?
  • How much can I save by bundling my policies?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

The auto insurance bait and switch

Consumers constantly see and hear ads for car insurance savings by companies like State Farm, Allstate and GEICO. All the companies make the same claim that you’ll save big after switching to them.

How does each company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a profitable customer could be between the ages of 30 and 50, is a homeowner, and has a short commute. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t qualify for the “perfect” profile will be quoted higher prices which usually ends up with business not being written. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can make those claims.

This emphasizes why it’s extremely important to compare many company’s rates. It’s impossible to know the company that will have the lowest Chevy Astro insurance rates.

Car insurance 101

Having a good grasp of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage – This provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability 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 a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, medical services, court costs, bail bonds and pain and suffering. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, a broken windshield and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, pain medications, EMT expenses and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

A fool and his money are soon parted

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone dropped liability coverage limits only to regret at claim time that they should have had better coverage. The aim is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Cheap 1996 Chevy Astro insurance can be found from both online companies in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

You just read many ways to lower your insurance rates. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with an unexpected company. These companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

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