Compare 1994 Chevrolet Astro Insurance Rates

Drivers have a choice when trying to find the lowest priced Chevy Astro insurance. They can either waste time driving around to compare prices or use the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to get price quotes for a Chevy and find the best price possible.

The method we recommend to compare car insurance company rates is to take advantage of the fact most of the larger companies participate in a system to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details like an estimate of your credit level, daily mileage, if your license is active, and what your job is. Your rating data is instantly provided to insurance companies and you will get price comparisons within a short period of time.

To compare rates for a 1994 Chevy Astro now, click here then complete the form.

Take advantage of discounts

The price of auto insurance can be rather high, but there are discounts available to help bring down the price. Some trigger automatically when you get a quote, but some may not be applied and must be inquired about before you will receive the discount. If they aren’t giving you every credit possible, you’re just leaving money on the table.

• No Accidents – Drivers with accident-free driving histories pay much less when compared with bad drivers.
• Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
• Accident Waiver – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
• Safe Drivers – Drivers who avoid accidents may save up to 50% more on Astro coverage than less cautious drivers.
• College Student – Youth drivers who live away from home and don’t have a car may be able to be covered for less.
• Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with discounted rates on garaged vehicles.
• E-sign – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
• Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

To see a list of insurers with discount insurance rates, click here.

How to know if you need help

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

• Do I need special endorsements for business use of my vehicle?
• What vehicles should carry emergency assistance coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Can I rate high risk drivers on liability-only vehicles?
• What if I total my 1994 Chevy Astro and owe more than it’s worth?
• Where can I find high-risk insurance?
• Can I make deliveries for my home business?
• Can I get a multi-policy discount?
• Can my teen drive my company car?
• Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like doctor visits, dental work, chiropractic care, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Astro.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits do not exceed the liability coverage limits.

Liability auto insurance

This coverage can cover damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, pain and suffering, attorney fees, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your Astro from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, scraping a guard rail, sideswiping another vehicle, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, a tree branch falling on your vehicle, theft and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.