Save on 1995 Chevrolet Astro Cargo Insurance Cost

I can’t think of a single person who is fond of buying insurance coverage, especially when they know the prices are way too high.

There is such a variety of insurers to purchase coverage from, and although it’s a good thing to be able to choose, so many choices can make it hard to compare rates.

Consumers need to price shop coverage periodically since prices change regularly. Even if you got the best rate for Astro Cargo insurance a few years ago a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance coverage because you’re going to learn how to use the internet to find better rates and still maintain coverage.

How to compare car insurance quotes

There are a variety of methods you can shop for car insurance and some are less time-consuming than others. You can waste a lot of time talking to agents in your area, or you can utilize the web to get prices fast.

Many popular insurance companies enroll in a system that enables customers to enter their policy data once, and each company returns a rated price based on that data. This saves time by eliminating quotation requests to every company.

To find out how much you can save on car insurance click here to open in new window.

One minor caviat to using this type of form is you can’t choose which providers to get pricing from. So if you want to choose from a list of companies to receive pricing from, we put together a list of car insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using exactly the same coverage information on every quote. If each company quotes different data it will be nearly impossible to determine the best price for your Chevy Astro Cargo. Slightly different limits can mean a large discrepancy in price. Keep in mind that comparing more company’s prices helps locate a better price. Some regional insurers cannot provide online price quotes, so you need to compare rates from those companies as well.

Do you qualify for discount insurance?

Car insurance is not cheap, but there are discounts available that many consumers don’t even know exist. Some trigger automatically when you complete an application, but some need to be specially asked for before being credited. If you don’t get every credit possible, you are throwing money away.

• Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• Lower Rates for Military – Having a deployed family member could mean lower prices.
• Life Insurance – Some insurance companies give a small discount if you purchase auto and life insurance together.
• Accident Forgiveness – This one isn’t a discount, but a few companies such as Geico and Liberty Mutual will allow you to have one accident without raising rates as long as you don’t have any claims for a set time period.
• Discounts for Responsible Drivers – Safe drivers may receive a discount up to 45% for Astro Cargo insurance than drivers with accidents.
• Claim Free – Good drivers with no accidents get the best insurance rates as opposed to frequent claim filers.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars with the same insurance company can get a discount for every vehicle.
• Payment Discounts – By making one initial payment instead of making monthly payments you may reduce your total bill.
• Distant Student – Older children who are enrolled in higher education away from home and don’t have a car could qualify for this discount.

Please keep in mind that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies that may include many of the previously listed discounts are:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

If you need lower rates, check with all the companies which discounts they offer. Some of the earlier mentioned discounts might not apply in your state. To view companies offering insurance discounts, click here to view.

What insurance coverages do I need?

When buying adequate coverage, there is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you may require specific advice.

• Is a fancy paint job covered?
• Is a blown tire covered by insurance?
• When would I need rental car insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do all my vehicles need collision coverage?
• Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages 101

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as bail bonds, medical expenses, pain and suffering, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, ambulance fees, chiropractic care and funeral costs. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, damage from getting keyed, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This covers damage to your Astro Cargo resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, colliding with a tree, driving through your garage door, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Chevy Astro Cargo.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Be Smart and Buy Smart

While you’re price shopping online, you should never buy less coverage just to save a little money. In too many instances, an insured cut uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.

We just showed you a lot of ways to lower your 1995 Chevy Astro Cargo insurance car insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of getting cheap insurance coverage. Drivers may discover the lowest car insurance rates are with a smaller regional carrier. Smaller companies often have lower premium rates on specific markets than the large multi-state companies such as State Farm or Progressive.

For more information, link through to the resources below:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)