2001 Chevrolet Astro Car Insurance Quotes – 10 Tips for Best Rates

Trying to find the cheapest insurance for a Chevy Astro can be an all-consuming task, but you can follow our insurance buying tips and make it easy. There is a right way and a wrong way to compare insurance rates and you need to know the quickest way to price shop coverage for your Chevy and obtain the lowest price.

It’s a great practice to get comparison quotes quite often due to the fact that insurance prices are usually higher with each renewal. Just because you had the lowest price on Astro insurance a few years ago you can probably find a better rate quote now. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to buy cheaper insurance.

How to compare free insurance rate quotes

All major insurance companies allow you to get coverage price quotes from their websites. This process is fairly simple as all you need to do is type in the coverages you want into a form. Once you submit the form, the quote system will obtain your credit score and driving record and provides a quote.

This makes it a lot easier to compare rates but the process of having to visit several different sites and complete many quote forms is not the best way to spend an afternoon. But it’s necessary to compare as many rates as possible if you want to get lower prices.

There is a better way to compare rates

The smarter way to find cheaper rates makes use of a single form to get prices from a lot of companies. It’s a real time-saver, requires less work, and makes comparison shopping much more enjoyable and efficient. After sending your information, it gets priced and you are able to buy any or none of the resulting price quotes. If a lower price is quoted, you can simply submit the application and buy the policy. This process takes just a few minutes to complete and may save quite a bit of money.

If you want to compare rates now, click here and input your coverage information. If you currently have coverage, we recommend that you enter exactly as they are listed on your policy. This helps ensure you are getting a fair comparison for similar insurance coverage.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions may help highlight whether you could use an agent’s help.

• Do I get a pro-rated refund if I cancel my policy early?
• How high should deductibles be on a 2001 Chevy Astro?
• Am I insured when driving a different vehicle?
• When would I need additional glass coverage?
• Are split liability limits better than a combined single limit?
• Why am I required to buy liability insurance?
• When should my teen driver be added to my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage breakdown

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, hitting a mailbox, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, damage from flooding, hail damage, damage from a tornado or hurricane and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

This provides protection from damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as emergency aid, structural damage and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like funeral costs, surgery, prosthetic devices and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Chevy Astro.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.