1991 Chevrolet Astro Car Insurance Cost

When shopping for more affordable insurance, are you overwhelmed by the wide range of insurance coverage providers available to you? Many other drivers are too. There are so many options that it can easily turn into a lot of work to find lower rates.

Earn discounts to get lower-cost insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Certain reductions will be credited at the time you complete a quote, but some discounts are required to be specifically requested before they will apply.

• Passive Restraint Discount – Cars that have air bags may qualify for discounts of 25 to 30%.
• Professional Organizations – Being a member of a civic or occupational organization could qualify you for a break on your next insurance statement.
• New Vehicle Savings – Buying a new car instead of a used car can get you a discount since new model year vehicles have better safety ratings.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more on medical payment and PIP coverage.
• One Accident Forgiven – Not necessarily a discount, but companies like Geico and Liberty Mutual allow you one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
• Safety Course Discount – Taking a driver safety course could earn you a small percentage discount if your company offers it.
• Driver Education Discount – Teen drivers should enroll and complete driver’s education if it’s offered in school.

One thing to note about discounts is that many deductions do not apply the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free insurance policy, it’s just not the way it works. Any qualifying discounts will positively reduce the amount you have to pay.

Companies that possibly offer these benefits include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

Before buying, ask each company which discounts can lower your rates. All car insurance discounts may not be offered in your area. To find insurers that offer many of these discounts, click here to view.

Buy Chevy Astro insurance at a discount

A large part of saving on insurance coverage is knowing a few of the rating criteria that are used to determine insurance coverage rates. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can earn you lower rates.

The factors shown below are some of the factors utilized by car insurance companies to help set premiums.

• Occupation can influence premiums – Occupations such as fire fightersairline pilots and medical professionals are shown to have the highest rates in part from high stress and lots of time spent away from family. On the other hand, jobs such as actors, historians and homemakers receive lower rates on Astro insurance.
• More traffic means higher claims – Choosing to live in less populated areas is a positive aspect when buying insurance coverage. Drivers who live in large cities have traffic congestion and higher rates of accident claims. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
• Good credit means lower costs – Having a good credit score is a large factor in determining what you pay for insurance coverage. Therefore, if your credit rating could use some work, you could potentially save money when insuring your 1991 Chevrolet Astro by improving your credit score. People with high credit ratings tend to be more responsible than drivers with poor credit.
• Having a spouse can save on insurance coverage – Having a spouse can get you a discount when shopping for insurance coverage. It translates into being less irresponsible and insurance companies like that drivers who are married file infrequent claims.
• Theft deterrents save – Selecting a car model with anti-theft technology or alarm system can help bring down rates. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.
• Maintain insurance coverage coverage – Having a gap between insurance policy dates can be a sure-fire way to increase your insurance coverage rates. Not only will rates go up, failure to provide proof of insurance can result in a revoked license or a big fine.
• Frequent policy claims will cost you – Insurance companies give better rates to drivers that do not abuse their auto insurance. If you’re an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for larger claims.
• Lower comp and collision deductibles cost more – The deductibles you choose are how much you are willing to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims could be a windshield broken by a bird, vandalism, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the better rate you will receive on Astro insurance.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight whether you may require specific advice.

• Are there companies who specialize in insuring high-risk drivers?
• Is a blown tire covered by insurance?
• What are the financial responsibility laws in my state?
• Does my policy cover my teen driver if they drive my company car?
• How much can I save by bundling my policies?
• Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverage considerations

Having a good grasp of your car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Astro.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, medical services and legal defense fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, rehabilitation expenses, X-ray expenses, surgery and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your Astro resulting from colliding with another vehicle or an object, but not an animal. 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, sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hail damage and theft. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Make a quick buck

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, unfair underwriting practices and delays in paying claims. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Cheaper 1991 Chevy Astro insurance is possible both online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide rates over the internet and many times these small, regional companies only sell coverage through independent insurance agencies.

In this article, we covered a lot of ways to compare 1991 Chevy Astro insurance car insurance rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding low cost car insurance. Consumers may even find the most savings is with a smaller regional carrier.

Additional learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• What is Full Coverage? (Allstate)