Save on 1995 Chevrolet Astro Insurance Cost

No car owner looks forward to paying for car insurance, particularly when their premiums are through the roof.

Companies like Progressive, State Farm and Geico all promote huge savings with ads and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

You should take the time to take a look at other company’s rates before your policy renews due to the fact that insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Astro coverage two years ago you may be paying too much now. Forget all the misinformation about car insurance because you’re about to learn how to use the internet to find better rates and still maintain coverage.

Lower-cost car insurance rates with discounts

Car insurance can be pricey, but there could be significant discounts that you may not know about. Some trigger automatically when you get a quote, but some discounts are required to be inquired about prior to receiving the credit.

Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted premium rates on garaged vehicles.
Responsible Driver Discounts – Drivers without accidents can save as much as half off their rates on Astro coverage than drivers with accident claims.
55 and Retired – Drivers over the age of 55 can possibly qualify for better car insurance rates on Astro coverage.
Defensive Driver Discount – Taking part in a defensive driver course could cut 5% off your bill and make you a better driver.
ABS Brakes – Vehicles that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
Online Discount – Some larger companies give back up to $50 for signing up online.
Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
Multiple Vehicles – Buying coverage for more than one vehicle with the same car insurance company can get a discount for every vehicle.
Discount for Multiple Policies – If you can combine your home and auto policy with the same insurance company you will save approximately 10% to 15%.

As a sidenote, most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, car insurance companies aren’t that generous.

For a list of providers with the best car insurance discounts, click here.

How much does insurance cost?

The majority of larger companies like State Farm, Allstate and Geico make it easy to get insurance quotes on their websites. Getting quotes is easy for anyone because it’s just a matter of typing in your required coverages on the page. Once entered, the company’s rating system will obtain reports for credit and driving violations and returns pricing information. Online quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same data is repetitive and time-consuming. But it’s absolutely necessary to do this in order to find the lowest possible prices on insurance.

A less time-consuming method to compare insurance pricing requires only one form that obtains quotes from many companies. It’s a real time-saver, reduces the work, and makes online quotes much easier to do. After sending your information, it gets priced and you can choose any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It takes just a few minutes to complete and could lower your rates considerably.

To quickly find out how much you can save on insurance, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input coverages and limits identical to your current policy. Doing this assures you are getting a fair comparison based on similar coverages.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight whether you could use an agent’s help.

Do I have coverage when pulling a U-Haul trailer?
Can I rent a car in Mexico?
Should I get collision insurance on every vehicle?
Am I better off with higher deductibles on my 1995 Chevy Astro?
Do I need roadside assistance coverage?
When should I buy a commercial auto policy?
Does having multiple vehicles earn me a discount?
Should I buy additional glass protection?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Specific coverage details

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as structural damage, loss of income and medical services. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from a tornado or hurricane, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, ambulance fees, X-ray expenses, pain medications and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1995 Chevy Astro.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

A penny saved is a penny earned

In this article, we covered a lot of information how to get a better price on 1995 Chevy Astro insurance. The key thing to remember is the more you quote insurance, the better your comparison will be. You may even find the biggest savings come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an insured cut collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find for the lowest price.