1998 Chevrolet Astro Car Insurance Rates – 6 Policy Discounts

Trying to find the cheapest auto insurance rates for your Chevrolet Astro? Have you had enough of paying out the nose to insure your Chevy every month? You’re in the same situation as many other drivers. Drivers have so many insurers to purchase coverage from, and although it’s a good thing to have multiple companies, so many choices can make it hard to locate the cheapest rates.

Lower rates by qualifying for these six discounts

Companies don’t always list every available discount very well, so we took the time to find some of the more common as well as the least known car insurance savings. If you don’t get every credit possible, you are paying more than you should be.

  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Accident Waiver – A few companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • New Vehicle Savings – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% on Astro coverage.
  • Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.

Consumers should know that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, companies wouldn’t make money that way.

Car insurance companies who might offer these discounts are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts might not be offered in your area.

Automobile Insurance Quotes

Finding a better price on auto insurance can be surprisingly simple. The only thing you need to do is take time comparing rate quotes online from several insurance companies. This can be done in several different ways.

  1. Probably the best way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form prevents you from having to do repetitive form entry for each company. One form submission gets you price quotes from many national carriers.
  2. A more difficult way to compare rate quotes requires a trip to the website of each company to request a price quote. For instance, we’ll assume you want rates from State Farm, 21st Century and Allstate. You would have to visit each site to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but ensure you’re using exactly the same coverage information for each comparison quote. If you have different deductibles it will be very difficult to determine the best price for your Chevy Astro.

Car insurance is unique, just like you

When it comes to buying the best insurance coverage coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is roadside assistance coverage?
  • Are rental cars covered under my policy?
  • Is there coverage for injuries to my pets?
  • What exactly is covered by my policy?
  • What are the financial responsibility laws in my state?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Auto insurance coverages 101

Knowing the specifics of auto insurance aids in choosing the right coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, fire damage, damage from flooding and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Astro.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses for things like ambulance fees, nursing services, prosthetic devices, dental work and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage – This protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, loss of income, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, rolling your car, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Feed the piggy bank

The cheapest 1998 Chevy Astro insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, never skimp on coverage in order to save money. There are too many instances where drivers have reduced collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

More tips and info about auto insurance can be found at these sites: