1993 Chevrolet Astro Cargo Insurance Quotes – 5 Savings Tips

I can’t think of a single person who looks forward to paying for car insurance, especially knowing the cost is too high.

Because you have many insurance companies to choose from, it can be impossible to locate the lowest cost insurance company.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Although vehicle owners need to learn the way insurance companies sell insurance online because it can help you find the best coverage.

Car insurance quotes and discounts

Insurance can be prohibitively expensive, but there could be available discounts that could drop your premiums quite a bit. Many discounts should be triggered when you purchase, but lesser-known reductions have to be specifically requested prior to getting the savings.

• Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your next car insurance statement.
• Accident Forgiveness Coverage – Not really a discount, but certain companies will allow you to have one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
• Telematics Devices – Insureds who allow driving data submission to scrutinize their driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if their driving habits are good.
• Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on Astro Cargo coverage depending on your company.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To locate companies who offer cheap car insurance quotes, click this link.

The quickest method to get rate comparisons takes advantage of the fact most of the larger companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is take a few minutes to give details such as if a SR-22 is needed, if you went to college, the type of vehicles you drive, and how much you drive. That rating data gets transmitted to insurance companies and they return rate quotes with very little delay.

Situations that may require an agent’s advice

When choosing the best auto insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight whether you might need an agent’s assistance.

• Does liability extend to a camper or trailer?
• Am I covered when driving someone else’s vehicle?
• Do I need replacement cost coverage?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I drive in a foreign country?
• Does my 1993 Chevy Astro Cargo qualify for pleasure use?
• Should I file a claim if it’s only slightly more than my deductible?
• Why do I only qualify for high-risk insurance?
• Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Collision protection

This pays for damage to your Astro Cargo resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, hitting a parking meter, scraping a guard rail, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Auto liability insurance

This provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like bail bonds, emergency aid, structural damage, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, prosthetic devices and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Astro Cargo.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, a tree branch falling on your vehicle and theft. The most your auto insurance company will pay 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.

In the end, you save

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice full coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.

We covered a lot of techniques to save on 1993 Chevy Astro Cargo insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from the least-expected company. These companies can often provide lower premium rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Helpful resources

• Neck Injury FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)