How Much Does 1996 Chevrolet Astro Insurance Cost?

Searching for cheaper insurance rates for your Chevrolet Astro? There isn’t a single person who likes buying insurance, in particular when the cost is too high. Big companies like State Farm, Farmers Insurance, Geico and Allstate continually hit you with advertising and it can be hard to not get sucked in by the cute commercials and find the best price available.

These discounts can lower car insurance rates

Some companies do not list every possible discount in a way that’s easy to find, so the following is a list of a few of the more well known as well as the least known discounts that you can inquire about if you buy car insurance online.

• Professional Memberships – Belonging to a professional or civic organization can get you a small discount when shopping for car insurance.
• Multi-car Discount – Buying coverage for all your vehicles on the same car insurance policy can get a discount on all vehicles.
• Discount for Low Mileage – Low mileage vehicles may allow you to get substantially lower rates.
• Accident Free – Insureds who avoid accidents and claims can earn big discounts as compared to accident-prone drivers.
• Payment Method – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
• Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
• 55 and Retired – Drivers over the age of 55 may qualify for a slight reduction on a car insurance quote for Astro coverage.
• Early Signing – Some car insurance companies provide a discount for buying a policy before your current coverage expires. This discount can save up to 10%.
• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
• Discounts for Responsible Drivers – Accident-free drivers may save up to 50% more for Astro coverage compared to accident prone drivers.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it’s just not the way it works.

If you would like to view providers that have a full spectrum of discounts, click here to view.

How your Astro insurance prices are determined

It’s important that you understand the different types of things that are used to determine insurance coverage rates. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that may reward you with big savings. Many things are part of the calculation when quoting car insurance. Most are fairly basic such as your driving record, although some other factors are more transparent such as your marital status or your vehicle rating.

The items below are most of the major factors that factor into rates.

• Extra policy coverages are wasting money – There are a lot of additional extra coverages that can waste your money when buying insurance coverage. Insurance for things like personal injury protection, high-cost glass coverage, and additional equipment coverage are examples of these. They may sound like good ideas when deciding what coverages you need, but if they’re wasting money eliminate them to save money.
• Lower prices with continuous coverage – Driving without insurance is not a good idea and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will you pay more, getting caught without coverage could earn you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state DMV.
• Getting married can lower rates – Having a significant other may cut your premiums when shopping for insurance coverage. It usually means you are more responsible and statistics prove married drivers tend to have fewer serious accidents.
• Pay more if you have a long commute – Having an address in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. People in densly populated areas tend to have more traffic problems and much longer commute distances. Fewer people translates into fewer accident claims in addition to fewer liability claims.
• With age comes responsibility – Teenage drivers are proven to be careless and easily distracted with other occupants in the car so they pay higher insurance coverage rates. Having to add a teen driver onto your insurance coverage can really hurt. Mature drivers have been proven to be more responsible, cost insurance companies less in claims and are safer drivers.
• Insurance costs and driver gender – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females cause fender benders at about the same rate, but guys tend to have higher claims. Men also statistically get ticketed for serious violations like DWI (DUI) or reckless driving.
• Cautious drivers pay less – How you drive has a lot to do with how much you pay for insurance. Just one chargable violation can boost insurance rates forty percent or more. Careful drivers get better prices than their less careful counterparts. Drivers who have careless tickets like reckless driving or DUI may need to file a SR-22 with their state in order to prevent a license revocation.

When do I need an agent’s advice?

When choosing the best insurance coverage coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation may require specific advice.

• Does my car insurance cover rental cars?
• Am I covered if I hit my neighbor’s mailbox?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What is an SR-22 filing?
• Does my personal policy cover me when driving out-of-state?
• Do I need more liability coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads for auto insurance savings from the likes of Allstate and Progressive. All the companies make an identical promise that people will save if you move your auto insurance policy to them.

How does every company say the same thing? Here is how they do it.

Companies give the cheapest rates for a prospective insured that makes them money. A good example of a preferred risk might be between 30 and 50, has never had a policy lapse, and the vehicle is rated for pleasure use. Any driver that meets those criteria will probably get cheap car insurance rates and will save if they switch.

Insureds who are not a match for this stringent profile will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone who quotes” save that much. That’s the way insurance companies can confidently advertise the way they do. Because each company has a different risk profile, it’s extremely important to compare many company’s premium rates. It is impossible to predict which auto insurance company will provide you with the cheapest car insurance rates.

What insurance coverages do you need?

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Chevy Astro.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills such as dental work, chiropractic care, prosthetic devices, hospital visits and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your Astro resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

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

Comprehensive coverage protects against things such as fire damage, theft, hitting a bird, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things like medical services, repair costs for stationary objects, funeral expenses and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Best coverage at the best price

Budget-friendly car insurance is available from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. A few companies may not have rates over the internet and these small insurance companies only sell coverage through local independent agencies.

We’ve covered many ideas to shop for 1996 Chevy Astro insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest premium rates come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive or Geico.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best cost while still protecting your assets.

Additional information is located on the following sites:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)