Cheap 2005 Chevrolet Astro Cargo Insurance Quotes

No one in their right mind likes having to buy insurance coverage, especially when they are paying too much. Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the definite lowest cost out there.

Comprehensive Insurance Coverage Comparison

Shopping for lower insurance coverage rates can be challenging if you aren’t aware of the most efficient way. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use the internet to maximize your effort.

Many popular insurance companies enroll in a system where prospective buyers enter their policy data once, and every company then returns a price quote based on that data. This prevents consumers from doing form submissions for every insurance coverage company.

To find out what other companies charge for 2005 Chevy Astro Cargo insurance click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose which insurance companies to get pricing from. If you would rather choose specific insurance companies to compare, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverage information on every quote you get. If you have differing limits it will be impossible to determine the lowest rate for your Chevy Astro Cargo.

These discounts can lower your rates

Car insurance companies don’t list every discount in a way that’s easy to find, so we took the time to find some of the more common as well as the least known ways to save on insurance. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

Military Rewards – Being deployed with a military unit may qualify for rate reductions.
Accident Waiver – A few companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Astro Cargo coverage than less cautious drivers.
Auto/Life Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

A partial list of companies who might offer some of the above discounts include:

Double check with each company how you can save money. All car insurance discounts may not apply in every state.

Different people need different coverages

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you may require specific advice.

What are the best liability limits?
Why is insurance for a teen driver so high?
Do I need added coverage for expensive stereo equipment?
What is the difference between comprehensive and collision coverage?
Should I rate my 2005 Chevy Astro Cargo as pleasure use or commute?
Are my friends covered when driving my 2005 Chevy Astro Cargo?
Do I need medical payments coverage since I have good health insurance?
Is a fancy paint job covered?
Am I covered if I drive in a foreign country?
What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Astro Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision 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 the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, driving through your garage door, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as funeral costs, EMT expenses, dental work, nursing services and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This protects you from damage or injury you incur to people or other property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like medical services, loss of income, legal defense fees, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, falling objects and damage from getting keyed. 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.