View 2002 Chevrolet Astro Cargo Insurance Quotes
Are you regretting buying an expensive car insurance policy? You’re preaching to the choir because there are lots of people in the same boat. Consumers have multiple insurers to pick from, and although it’s a good thing to be able to choose, lots of choices makes it harder to compare company pricing.
It is always a good idea to do rate comparisons quite often because car insurance rates change quite often. Just because you had the best premium rates for Astro Cargo insurance a few years ago the chances are good that you can find a lower price today. There is a lot of bad advice regarding car insurance on the internet, but in just a couple of minutes you can learn some good information on how to quit paying high car insurance rates.
Buying car insurance is not that difficult. If you are insured now or are just looking to switch companies, you can use this information to shop for the lowest rates and still get good coverage. Consumers just need to learn the most effective way to compare company rates over the internet.
Buy car insurance online
All the larger car insurance companies like Allstate, Geico and Progressive give price estimates directly from their websites. Obtaining pricing is pretty easy as all you need to do is type in your coverage preferences as requested by the quote form. When complete, their rating system obtains credit information and your driving record and quotes a price determined by many factors. Quoting online helps simplify price comparisons, but the process of having to visit many different websites and type in your information is monotonous and tiresome. But it is imperative to perform this step if you want to find a lower rate.
Online rates the easy way
The preferred way to lower your rates uses one simple form to return rates from more than one company. It saves time, requires less work, and makes online quotes much more enjoyable. As soon as you send your information, it gets priced and you can choose any one of the resulting price quotes. If you find a better price you can simply submit the application and buy the policy. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.
If you want to get comparison pricing now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you input coverages and limits as shown on your current policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison for similar insurance coverage.
Cheap auto insurance rates with discounts
Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so the list below contains a few of the more well known and the more hidden auto insurance savings.
- Save over 55 – Older drivers are able to get a small discount on rates for Astro Cargo insurance.
- Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
- Lower Rates for Military – Being on active deployment in the military could qualify you for better prices.
- E-sign Discounts</strong – Many auto insurance companies will provide an incentive for completing your application on their website.
- Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Astro Cargo insurance compared to accident prone drivers.
- Discount for New Cars – Buying a new car instead of a used car is cheaper since new model year vehicles are generally safer.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
- Safety Course Discount – Completing a course teaching safe driver skills may get you a small discount depending on where you live.
- Driving Data Discount – Drivers who elect to allow companies to spy on driving patterns remotely such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
Don’t be surprised that most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.
A list of auto insurance companies and a selection of discounts are included below.
- Mercury Insurance policyholders can earn discounts including type of vehicle, age of vehicle, annual mileage, good driver, and low natural disaster claims.
- Farmers Insurance offers discounts including electronic funds transfer, mature driver, alternative fuel, business and professional, distant student, good student, and homeowner.
- Farm Bureau may include discounts for 55 and retired, good student, youthful driver, multi-vehicle, multi-policy, and driver training.
- State Farm may offer discounts for anti-theft, passive restraint, safe vehicle, defensive driving training, good driver, Drive Safe & Save, and student away at school.
- Allstate discounts include farm vehicle, auto/life discount, EZ pay plan discount, passive restraint, and early signing.
- Geico may have discounts that include anti-theft, five-year accident-free, seat belt use, membership and employees, air bags, federal employee, and multi-policy.
When getting free insurance coverage quotes, it’s a good idea to each insurance company which discounts can lower your rates. Savings may not be offered everywhere.
Tailor your auto insurance coverage to you
When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight if your situation would benefit from an agent’s advice.
- Can I afford to pay high deductible claims out of pocket?
- Is my dog or cat covered if injured in an accident?
- Is my state a no-fault state?
- Does my 2002 Chevy Astro Cargo need full coverage?
- Why am I be forced to buy a membership to get insurance from some companies?
- Does insurance cover damages from a DUI accident?
If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.
Auto insurance coverage information
Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average auto insurance policy.
Collision coverages – This coverage covers damage to your Astro Cargo resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as hitting a parking meter, colliding with a tree, rolling your car, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Comprehensive auto coverage – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as rock chips in glass, fire damage, hail damage and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as chiropractic care, funeral costs and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Liability car insurance – This coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability insurance covers claims like structural damage, repair costs for stationary objects, attorney fees, court costs and legal defense fees. How much coverage you buy is your choice, but consider buying as much as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Michele Whitehead
I’m in the suburbs of Springfield, MA. Don’t remember every company but I ended up saving about $10 each month.
Ginger Gould
I found pretty cheap rate quotes for a 2002 Chevrolet Astro Cargo in Bangor, ME. Ended up at roughly $100 every six months with Amica. Left AIG Insurance to switch. I dropped full coverage awhile back.
Alexis Mack
I think I’m paying too much. From a town just southwest of Evansville, IN. I got free prices from GEICO, Auto-Owners, and Erie for my Chevrolet and I’m now saving $11 a month.
Larae Petty
Affordable car insurance is a myth. I’m in the suburbs of Rio Rancho, New Mexico. Got car insurance quotes from AAA, Nationwide, and USAA for my 2002 Chevrolet Astro Cargo and I’m now saving $19 a month. Hopefully won’t need it. I’m thinking about dropping full coverage though.
Myriam Hodge
This is too expensive. I’m in Cincinnati, OH. I quoted with AIG Insurance, Safeco, and Western Auto Insurance for my 2002 Chevrolet Astro Cargo and saved about $70 a year. Was with Safeco. I used their online quote form to compare rates. Liability only on my Chevrolet.
Krista Savage
Here’s my info. Live in the western part of Omaha, NE. Got rates from AAA, Mercury, and Travelers for my Chevrolet and saved $106 a year. Are quotes cheaper online? I only have liability coverage on it.
Janina Cash
Thanks for putting this site together. From west side of Montgomery, AL. I compared lots of rates. Saved darn near $30 a month. 21st Century was the cheapest for me. Insured with Hartford before. It was easy to get rates.
Nikki Foster
Went with Auto-Owners for my Astro Cargo and saved around $100 a year. I’m a pretty low risk driver. I don’t put full coverage on it.
Delilah Mccullough
Well-written and thought out article. I’m in the west part of Provo, UT. Quoted rates from Allstate, Auto-Owners, Erie, and Hartford for my 2002 Chevrolet Astro Cargo and cut my rates about $110 a year. Have a couple speeding tickets too. :P I’m thinking about dropping full coverage though.
Gayla Dale
Cheap is relative. I live just to the south of Little Rock, Arkansas. Checked online prices for a 2002 Chevrolet Astro Cargo. Ended up at about $120 savings annually. Went with GEICO. Left Sentry to switch. Get lots of quotes to find the best rate. When should I drop full coverage?
Rosalba Hurley
I’m looking for cheaper coverage. I’m in the suburbs of Aurora, IL. I quoted with Travelers, Amica, The General, and Mercury for my Astro Cargo and saved $117 a year. I have a teen driver too. You can get a rate quote online. I don’t have comp or collision coverage.
Eda Holloway
Does GEICO insure teenage drivers?
Myrna Lester
If you have a good history and live around Madison, WI, check out Allstate. They seem to be cheaper. Was with Travelers. Ask about discounts. Only insure liability on my Astro Cargo.
Denese Hull
Nice post. Lifelong resident of Parkersburg, WV. Quoted a bunch of companies. Saved darn near $20 a month. State Farm was the best choice for me. Good savings if you bundle. I dropped full coverage awhile back.
Thanh Dodson
If you have a good history and live around Shreveport, LA, check out Allstate. I saved quite a bit. Just liability coverage since it’s getting old.