1993 Chevrolet Astro Insurance Quotes – 7 Savings Tips

Trying to find the cheapest insurance rates for your Chevrolet Astro? Have you had enough of trying to scrape together enough money to pay insurance each month? You have the same problem as many other consumers. Online insurance companies like Geico, Progressive and Allstate increase brand awareness with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It is always a good idea to quote other rates quite often because rates are usually higher with each renewal. Just because you found the best premium rates on Astro coverage a year ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because it’s time to teach you the best way to reduce your cost while increasing coverage.

If you have a current insurance policy or are looking for a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers just need to know the most effective way to get comparison rates online.

The best way we recommend to compare insurance rates in your area utilizes the fact most insurance companies have advanced systems to give rate comparisons. To get started, all you need to do is give them some information including driver details, your job, the year, make and model of vehicles, and coverage limits. The rating information is then submitted to multiple companies and they return cost estimate instantly.

If you wish to get multiple quotes for your car now, click here and enter your coverage details.

Does insurance advertising bend the truth?

Consumers can’t ignore all the ads for cheaper insurance from the likes of State Farm, Geico and Progressive. All the companies seem to make the promise that you can save after switching your coverage.

But how can every company lower your prices? Here is the trick they use.

Insurance providers give the cheapest rates for the type of driver that will be a good risk. For example, a profitable insured could be over the age of 40, has a low-risk occupation, and drives less than 10,000 miles a year. Any customer that hits that “sweet spot” will qualify for the lowest rates and will save some money.

Drivers who may not quite match those criteria will be quoted more expensive rates with the end result being the driver buying from a lower-cost company. The trick is to say “customers who switch” but not “all drivers who get quotes” save that much when switching. This is how companies can claim big savings. This really drives home the point why you really should get insurance quotes from several different companies. Because you cannot predict with any certainty which company will provide you with the cheapest prices.

Find hidden discounts to get affordable car insurance rates

Some insurance providers don’t always publicize every discount in an easy-to-find place, so the list below gives a summary of both the well known in addition to some of the lesser obvious discounts that you may qualify for.

• Theft Prevention System – Vehicles with anti-theft systems are less likely to be stolen so companies will give you a small discount.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same company may reduce the rate for each vehicle.
• Onboard Data Collection – Drivers that enable their company to scrutinize driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
• Accident Forgiveness Coverage – Not really a discount, but some insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to being involved in the accident.
• Air Bag Discount – Factory air bags or motorized seat belts may get savings of 20% or more.
• Defensive Driver – Taking time to complete a safe driver course can save you 5% or more depending on where you live.
• Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the medical payments premium.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, that’s just not realistic.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

• Progressive has savings for continuous coverage, good student, online quote discount, multi-vehicle, homeowner, and multi-policy.
• SAFECO policyholders can earn discounts including accident prevention training, homeowner, anti-lock brakes, teen safe driver, and multi-car.
• American Family may include discounts for air bags, multi-vehicle, early bird, bundled insurance, and mySafetyValet.
• MetLife offers discounts including good student, claim-free, good driver, defensive driver, and multi-policy.
• Geico may have discounts that include daytime running lights, military active duty, federal employee, good student, anti-theft, five-year accident-free, and defensive driver.
• The Hartford has discounts for bundle, defensive driver, vehicle fuel type, anti-theft, driver training, and good student.

Check with every company which discounts you may be entitled to. Discounts might not be available to policyholders in your area. If you would like to view providers with the best discounts, click here to view.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out if you may require specific advice.

• Where can I find DUI or SR-22 insurance?
• Why do I need rental car insurance?
• What is an SR-22 filing?
• Do I pay less for low miles?
• Is my teen driver covered when they drive my company car?
• Am I covered when driving a rental car?

If it’s difficult to answer those questions but one or more may apply to you 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. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like chiropractic care, nursing services, pain medications and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance covers damage to your Astro from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Astro.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability

Liability insurance will cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, emergency aid, medical services and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from getting keyed and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More effort can pay off

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced liability limits or collision coverage only to regret that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

You just learned many ways to compare 1993 Chevy Astro insurance auto insurance rates online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheaper insurance. Consumers may even find the best auto insurance rates are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm and Allstate.

Even more information is located in the articles below:

• Safety Features for Your New Car (State Farm)
• State Laws for Cellphones and Texting (iihs.org)
• Winter Driving (Insurance Information Insitute)
• Learn About Car Insurance (Geico)