Lower Your 1993 Chevrolet Astro Car Insurance Rates

Trying to find cheaper insurance coverage rates for your Chevrolet Astro? Nobody I know enjoys paying for insurance coverage, particularly when they are paying too much. Insurance companies such as Progressive, State Farm and GEICO constantly bombard you with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

If you are insured now or need a new policy, you can learn to find the best rates while maintaining coverages. Buying car insurance is not rocket science. Drivers just need to understand the proper methods to buy auto insurance on the web.

The quickest method to compare rates is to take advantage of the fact car insurance companies provide online access to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information like how much education you have, if a SR-22 is required, types of safety features, and your occupation. That information gets transmitted to multiple different insurance companies and they return quotes quickly.

To compare rates for a Chevy Astro now, click here and enter your zip code.

Discounts are basically free money

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but some may not be applied and must be asked about prior to getting the savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Resident Student – Any of your kids who live away from home and don’t have a car may be able to be covered for less.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums for Astro coverage.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Own a Home – Owning a home can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. But any discount will bring down your premiums.

Companies that may offer these money-saving discounts include:

Double check with each company which discounts they offer. Some discounts might not be offered in your area.

Which insurance is the “right” coverage?

When it comes to buying coverage, there isn’t really a cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Why am I required to buy liability insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Am I insured when driving a different vehicle?
  • When should I not file a claim?
  • How do I buy GAP insurance?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Some factors that can determine what Chevy Astro insurance costs

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with big savings.

  • Frequent insurance claims increase rates – Companies generally give lower rates to policyholders who do not file claims often. If you tend to file frequent claims, you can expect higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Where you live can impact rates – Residing in small towns and rural areas can be a good thing when talking about insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
  • Policy add-ons can waste money – There are many extra bells and whistles you can purchase on your Astro policy. Coverages like personal injury protection, better glass coverage and motor club memberships may be costing you every month. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Tickets mean higher rates – Drivers with clean records have lower premiums than people who have multiple driving citations. Only having one speeding ticket may increase your cost twenty percent or more. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Rate your vehicle for proper use – The more miles you rack up on your Chevy every year the more you will pay for insurance. Almost all companies apply a rate based on their usage. Vehicles used primarily for pleasure use qualify for better rates than those used for commuting. An improperly rated Astro may be wasting your money. Double check that your insurance policy is showing how each vehicle is driven.

How can State Farm, GEICO and Progressive save drivers who switch?

Drivers can’t ignore all the ads for car insurance savings by State Farm, GEICO and Progressive. All the ads make the same claim that you can save if you change to their company.

But how can every company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the type of driver that makes them money. An example of a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any driver who matches those parameters receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for the requirements will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully make the claims of big savings.

Because of the profiling, it is so important to get a wide range of price quotes. Because you never know the company that will have the lowest Chevy Astro insurance rates.

Insurance coverages explained

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, ambulance fees, funeral costs and dental work. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1993 Chevy Astro.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Liability coverage – Liability insurance can cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like attorney fees, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, falling objects and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays for damage to your Astro resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch, sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

One last thing

You just read a lot of information how to compare 1993 Chevy Astro insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from the smaller companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive and GEICO.

Cheap insurance is definitely available from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and these small, regional companies work with independent agents.

More detailed car insurance information is located at these sites: