Compare 1991 Chevrolet Astro Cargo Insurance Rates

Trying to find the cheapest insurance for your Chevy Astro Cargo can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to save time. There is a right way and a wrong way to buy auto insurance and you need to know the quickest way to price shop coverage for your Chevy and find the lowest possible price.

It’s a great practice to compare premium rates occasionally since insurance prices fluctuate regularly. Just because you found the best deal for Astro Cargo insurance a couple years back you may be paying too much now. You can search a lot of auto insurance online, but by reading this article, you’re going to learn some proven techniques to stop overpaying for insurance.

More discounts mean affordable premiums

Some providers don’t necessarily list every discount very clearly, so here is a list some of the more common and the harder-to-find credits available to bring down your rates.

• Discount for Low Mileage – Driving less could be rewarded with discounted premium rates on garaged vehicles.
• Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
• Include Life Insurance and Save – Select companies reward you with a small discount if you purchase a life policy as well.
• E-sign Discounts
• Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. Even though it appears you could get a free insurance coverage policy, it doesn’t quite work that way.

A list of insurance coverage companies and a selection of discounts are shown below.

• 21st Century offers discounts for early bird, theft prevention, good student, air bags, and defensive driver.
• State Farm offers premium reductions for passive restraint, Steer Clear safe driver discount, good student, anti-theft, and good driver.
• AAA may offer discounts for good student, AAA membership discount, multi-policy, pay-in-full, education and occupation, good driver, and anti-theft.
• Liberty Mutual has discounts for good student, new move discount, new graduate, teen driver discount, multi-car, and exclusive group savings.
• Progressive may have discounts that include homeowner, good student, online signing, multi-policy, and continuous coverage.

Double check with each insurance company which discounts you qualify for. Some credits may not apply in your area.

The Chevy Astro Cargo insurance price equation

Lots of things are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving history, but other factors are less obvious such as your marital status or how safe your car is.A large part of saving on insurance is knowing some of the elements that help determine your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that may reward you with better insurance rates.

• Five star crash test rating saves money – Cars with high safety ratings get lower rates. Vehicles built for safety reduce occupant injuries and better occupant protection means your insurance company pays less passed on to you as lower rates. If your Chevy Astro Cargo is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
• Where you call home factors in – Being located in small towns and rural areas may provide you with better prices when talking about insurance. Drivers in populated areas tend to have more aggressive driving styles and longer commute times. Lower population corresponds to lower accident rates in addition to lower liability claims
• Save money by having high credit – An insured’s credit score factor in calculating your insurance rates. If your credit rating is low, you could save money insuring your 1991 Chevrolet Astro Cargo by repairing your credit. Insureds with high credit ratings tend to be better drivers and file fewer claims than drivers with worse credit.
• Females tend to take less risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both genders cause fender benders in similar numbers, but guys have costlier accidents. They also get ticketed for serious violations such as DWI and reckless driving.
• Commute or pleasure use – The more you drive each year the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars that are left in the garage can get a lower rate compared to those used for work or business. It’s a good idea to make sure your insurance policy states the proper vehicle usage. A policy that improperly rates your Astro Cargo may be costing you higher rates.
• Low stress employer equals lower insurance rates – Did you know that where you work can have an impact on rates? Careers such as lawyerspolice officers and emergency personnel have higher premiums than the average policyholder because of high stress levels and extremely grueling work hours. Other careers such as farmers, students and the unemployed pay lower than average rates for Astro Cargo insurance.
• Optional features impact insurance rates – Choosing to buy a car that has a built-in theft deterrent system can save you some money. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your vehicle from being stolen.
• Expect high rates for teens – Young drivers are known to get distracted easily in a vehicle and because of this, their insurance rates are much higher. Having to add a teen driver to your insurance policy can increase premiums substantially. Older drivers are more cautious drivers, tend to file fewer claims .

It’s not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight if your situation would benefit from professional advice.

• If I drive on a suspended license am I covered?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How does medical payments coverage work?
• Are there companies who specialize in insuring high-risk drivers?
• How can I get my company to pay me more for my totalled car?
• Why is insurance for a teen driver so high?
• How much liability insurance is required?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance policy specifics

Knowing the specifics of auto insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This pays for damage to your Astro Cargo resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, nursing services and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Astro Cargo.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

This covers 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 can pay for claims such as damage from flooding, hail damage, damage from getting keyed, vandalism and falling objects. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Don’t throw your cash in the trash

In this article, we covered some good ideas how you can shop for 1991 Chevy Astro Cargo insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Cheaper car insurance is possible online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. A few companies don’t offer price quotes online and these regional carriers only sell coverage through independent agents.

Insureds leave their current company for a number of reasons such as denial of a claim, unfair underwriting practices, questionable increases in premium and even high prices. Regardless of your reason, finding a great new company is actually quite simple.

Additional articles

• Car Insurance FAQ (Trusted Choice)
• What is Gap Insurance? (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Property Damage Coverage (Liberty Mutual)