Compare 2005 Chevrolet Astro Insurance Cost

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me, there are many people just like you.

With so many choices of insurance companies, it is hard for the average consumer to find the right insurer.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to save some money using these techniques. Although consumers benefit from understanding how insurance companies price online insurance and use this information to your advantage.

Low Cost Auto Insurance

All the larger auto insurance companies like Allstate and Progressive give coverage prices on their websites. Getting online quotes is fairly straightforward as you just enter your coverage preferences as detailed in the form. Behind the scenes, the system pulls credit information and your driving record and generates pricing information. Online quotes simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it is imperative to do this in order to get the best price on auto insurance.

A quicker way to get multiple rate quotes uses one simple form that gets price quotes from a bunch of companies at once. It saves time, eliminates repetitive work, and makes online price comparison much more efficient. Immediately after you send the form, it gets priced and you are able to buy your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. It just takes a couple of minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in the insurance coverages exactly as shown on your declarations page. This makes sure you are getting comparison quotes based on the exact same insurance coverage.

Verify you’re getting all your discounts

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance from them.
  • Save over 55 – If you’re over the age of 55, you may receive better car insurance rates on Astro insurance.
  • Clubs and Organizations – Affiliation with a civic or occupational organization may earn a discount when buying car insurance on Astro insurance.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Paperwork-free – Certain companies may give you up to $50 just for signing your application digitally online.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Companies who might offer these benefits are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

When should I talk to an agent?

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if you would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my nanny covered when driving my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why do I need rental car insurance?
  • Does insurance cover tools stolen from my truck?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my insurance cover my expensive audio equipment?
  • What is UM/UIM insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Parts of the Chevy Astro rate equation

It’s important that you understand the factors that help determine the price you pay for auto insurance. Understanding what determines base rates enables informed choices that may reward you with better auto insurance rates.

The following are a partial list of the pieces auto insurance companies consider when setting rates.

  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Men and women are in accidents in similar percentages, but the males tend to have more serious accidents. They also have more aggressive citations such as DWI and reckless driving.
  • Never go without insurance – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
  • More miles equals more premium – The higher the mileage driven in a year the higher your rates will be. Most insurance companies rate vehicles determined by how the vehicle is used. Autos that are left in the garage receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Astro can result in significantly higher rates. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Safer occupants lowers premiums – Safer cars tend to have better insurance rates. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If the Chevy Astro has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • More claims means more premium – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies provide cheaper rates to drivers who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Older drivers pay less – Young drivers are known to get distracted easily when driving so auto insurance rates are higher. Having to add a youthful driver to your policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Your location affects your rates – Residing in a rural area can save you money when talking about auto insurance. Lower population means reduced accidents. City drivers have traffic congestion and a longer drive to work. More time commuting translates into higher accident risk.
  • Bundling policies can get discounts – The majority of insurers will award you with lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to shop around to confirm you are receiving the best rates possible.

Car insurance coverage information

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for hospital visits, pain medications, nursing services and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, a tree branch falling on your vehicle and hail damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance will pay to fix damage to your Astro resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, rolling your car, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage provides protection from damage that occurs to other people or property. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

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

Liability coverage protects against things like loss of income, funeral expenses and bail bonds. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

In Summary

In this article, we presented a lot of ways to reduce 2005 Chevy Astro insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from the smaller companies. These companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an insured cut full coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

For more information, link through to the articles below: