How Much Does 1999 Chevrolet Astro Insurance Cost?

Trying to find better insurance prices for a Chevy Astro could be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to compare car insurance rates and you need to know the quickest way to get price quotes on a Chevy and obtain the cheapest rates.

What determines Chevy Astro insurance costs?

Many things are part of the equation when quoting car insurance. Some are obvious such as your driving history, but some are more obscure such as your marital status or your commute time.

• Drive less and get lower prices – The higher the miles on your Chevy each year the higher your rates will be. Most companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance policy reflects the correct driver usage. An improperly rated Astro is just wasting money.
• Multi-policy discounts can save money – The majority of auto insurance companies provide discounts to policyholders that have more than one policy such as combining an auto and homeowners policy. Even with this discount, drivers will still want to compare other insurance prices to help guarantee you have the best rates.
• Lower premiums for safer vehicles – Safe vehicles cost less to insure. Highly rated vehicles reduce injuries and fewer injuries translates into savings for insurance companies and cheaper rates on your policy. If your Chevy Astro scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Liability limits should be high – The liability coverage on your policy is the protection in the event that a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Avoid tickets and save – Only having one moving violation may cause rates to rise by twenty percent. Good drivers pay lower auto insurance prices as compared to those with violations. Drivers with severe citations such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to keep their license.
• Your address can impact rates – Being located in small towns and rural areas can save you money when it comes to auto insurance. People in densly populated areas have to deal with more aggressive driving styles and much longer commute distances. Fewer people translates into fewer accident claims and a lower car theft rate.
• Lower auto insurance rates with theft deterrents – Driving a car with an alarm system can save you a little every year. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft and help lower rates.

How to buy insurance coverage online

Performing a rate comparison can take time and effort if you don’t utilize the most efficient way. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Most major companies take part in a program that allows shoppers to enter their policy data once, and at least one company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each company. To fill out one form to compare multiple rates now click to open in new window.

The only drawback to getting quotes like this is that you can’t choose which insurance companies you want to price. If you would rather choose specific providers to compare, we have assembled a list of insurance coverage companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but do your best to enter identical deductibles and coverage limits for each quote you get. If you enter different liability limits then you won’t be able to find the best deal for your Chevy Astro.

Well known brands might not be cheapest

Consumers can’t get away from all the ads for the lowest price insurance by companies like Progressive, Allstate and Geico. All the ads convey the message that you’ll save big if you switch your policy.

How do they all charge you a lower premium? This is how they do it.

Insurance companies have specific guidelines for the type of driver that will be a good risk. For example, a driver they prefer may be between 25 and 40, has had continuous coverage, and has a short commute. Any new insured that hits that “sweet spot” receives the best prices and will most likely save money with a new company.

Insureds who fall short of this stringent profile will have to pay higher rates which leads to the prospect going elsewhere. The trick companies use is to say “people who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can make claims that they all have the best rates. Because of these techniques, drivers should compare quotes as often as possible. It is just not possible to predict which insurance company will have the best prices at this point in time.

Find discounts to get cheap auto insurance quotes

Auto insurance can be pricey, but you may qualify for discounts that could help you make your next renewal payment. Certain reductions will be credited when you purchase, but a few need to be inquired about prior to getting the savings.

• 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates on Astro insurance.
• Membership in Organizations – Being in certain professional organizations could qualify you for a break on your policy.
• Sign Online – Many larger companies give back up to $50 just for signing your application on their website.
• Defensive Driver – Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
• Low Miles Discount – Keeping the miles down on your Chevy could be rewarded with lower auto insurancerates on the low mileage vehicles.
• Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Astro insurance with a few auto insurance companies.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
• Homeowners Savings – Owning a house can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
• Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.

Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, nobody gets a free ride.

A few popular companies and their offered discounts are:

• State Farm may offer discounts for Steer Clear safe driver discount, safe vehicle, defensive driving training, accident-free, passive restraint, and good driver.
• Geico includes discounts for multi-vehicle, military active duty, five-year accident-free, driver training, daytime running lights, defensive driver, and anti-theft.
• SAFECO policyholders can earn discounts including bundle discounts, anti-lock brakes, homeowner, multi-car, safe driver, anti-theft, and teen safety rewards.
• Farmers Insurance has discounts for switch companies, multi-car, mature driver, youthful driver, electronic funds transfer, pay in full, and teen driver.
• AAA offers discounts including multi-car, good student, good driver, anti-theft, education and occupation, and pay-in-full.
• USAA may have discounts that include vehicle storage, loyalty savings, annual mileage, military installation, and defensive driver.

If you are trying to find cheap car insurance quotes, ask every insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply everywhere. To view providers who offer free auto insurance quotes, click here to view.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

• Does my 1999 Chevy Astro need full coverage?
• Why am I required to buy liability insurance?
• Should I waive the damage coverage when renting a car?
• How do I file an SR-22 for a DUI in my state?
• Do I have coverage when making deliveries for my home business?
• Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1999 Chevy Astro.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, X-ray expenses, surgery, doctor visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This will cover damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims such as attorney fees, structural damage, emergency aid, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Astro resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, fire damage and damage from a tornado or hurricane. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

In Summary

Insureds who switch companies do it for many reasons like lack of trust in their agent, high prices, high rates after DUI convictions and even denial of a claim. No matter why you want to switch, choosing a new company is less work than it seems.

We covered many tips how you can reduce 1999 Chevy Astro insurance rates online. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheaper car insurance. You may even discover the biggest savings come from the smaller companies.

Discount 1999 Chevy Astro insurance can be found from both online companies and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer the ability to get quotes online and these regional carriers only sell coverage through independent insurance agencies.

For more information, feel free to browse the articles below:

• Tools for Teen Driving Safety (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance FAQ (Trusted Choice)
• State Laws for Cellphones and Texting (iihs.org)