2003 Chevrolet Astro Insurance Quotes

Trying to find better car insurance rates for your Chevrolet Astro? Being forced to pay for overpriced car insurance premiums can diminish your accounts and force you to make sacrifices. Performing a price comparison can help to cut your insurance bill.

Lots of insurers contend for your business, and because of this it can be hard to compare car insurance companies and get the definite lowest cost out there.

How car insurance companies calculate Chevy Astro insurance rates

Many things are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are more obscure such as whether you are married or how safe your car is.

• Is insurance coverage cheaper for females or males? – Statistics have proven that females tend to be a little less risky than males. Now that doesn’t mean women are better drivers. Females and males get in accidents in similar percentages, but the males tend to have higher claims. They also get cited for more serious violations like DUI and reckless driving.
• Save money by having multiple policies – The majority of companies will give better rates to people that have more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to make sure you are getting the best deal.
• Safer cars cost less to insure – Cars with high safety ratings cost less to insure. Vehicles built for safety protect occupants better and lower injury rates means less claims paid and more competitive rates for policyholders. If your Chevy Astro has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Vehicle options can affect premiums – Choosing to buy a car with advanced anti-theft systems can get you a discount on your car insurance. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your vehicle from being stolen.

Ways to get insurance quotes

Comparing insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

Most of the best insurance companies participate in a marketplace where insurance shoppers send in one quote, and every company then returns a price quote. This eliminates the need for quotation requests to each company.

To compare pricing click here to start a free quote.

The only downside to using this type of system is that you can’t choose the insurers to receive prices from. So if you prefer to pick specific insurance companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just make sure you compare the same coverage limits and deductibles on every quote you get. If you enter mixed coverages then you won’t be able to make a fair rate comparison. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. It’s important to know that comparing a wide range of rates helps increase your odds of locating more affordable rates. Some companies don’t provide prices over the internet, so it’s necessary to compare prices from those companies as well.

Can you really save if you switch?

Well-known insurance coverage companies like 21st Century, Allstate and State Farm seem to constantly run ads in print and on television. All the companies have a common claim that people will save if you move your insurance coverage coverage to their company. It sounds good, but how can they all lower your premium rates?

Insurance coverage companies give the best rates for the type of customer that will be a good risk. One example of this type of risk profile should be a mature driver, has had continuous coverage, and drives a safe vehicle. A customer that matches those criteria will probably get the lowest premium rates and as a result will probably save when they switch companies.

Potential insureds who cannot meet the ideal profile may receive a more expensive rate and this results in the customer not buying. The trick companies use is to say “people that switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully make the claims of big savings. Because of this risk profiling, drivers must compare free insurance quotes often. It is impossible to guess which company will give you lower rates than your current company.

Get affordable auto insurance with discounts

Not many people think insurance is cheap, but discounts can save money and there are some available that can dramatically reduce your bill. Certain credits will be shown when you complete an application, but a few need to be asked about before you get the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

• Life Insurance – Select insurance companies reward you with better premium rates if you take out a life insurance policy as well.
• Full Payment Discount – By paying your entire bill at once rather than paying in monthly installments you may have a lower total premium amount.
• Paperwork-free – Many auto insurance companies will provide an incentive simply for signing online.
• Active Service Discounts – Being deployed in the military may qualify for rate reductions.
• Discounts for Safe Drivers – Accident-free drivers can save as much as half off their rates for Astro insurance compared to accident prone drivers.
• Defensive Driver – Taking a course in defensive driver is a good idea and can lower rates and also improve your driving technique.
• Save over 55 – Older drivers are able to get a discount up to 10% for Astro insurance.
• Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Clubs and Organizations – Affiliation with a professional or civic organization can get you a small discount on auto insurance.

A little note about advertised discounts, most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

To view companies who offer online auto insurance quotes, click here.

Tailor your insurance coverage to you

When choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help highlight if you would benefit from an agent’s advice.

• I have health insurance so do I need medical payments coverage?
• Do I pay less if my vehicle is kept in my garage?
• Are there companies who specialize in insuring high-risk drivers?
• Does coverage extend to a rental car in a foreign country?
• Is my teen driver covered when they drive my company car?
• Who is covered when they drive my 2003 Chevy Astro?
• If my 2003 Chevy Astro is totaled, can I afford another vehicle?
• What are the financial responsibility laws in my state?
• Do I need added coverage for expensive stereo equipment?
• Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, hitting a deer, hitting a bird and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

This can cover damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as structural damage, attorney fees, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Astro.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

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

Collision insurance covers claims like hitting a parking meter, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses such as funeral costs, chiropractic care, nursing services and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Find Good Coverage for Less

We just covered quite a bit of information on how to lower your 2003 Chevy Astro insurance premium rates. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheap insurance. Consumers may even find the lowest premium rates are with a small local company. They may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

Some companies may not provide the ability to get quotes online and most of the time these small insurance companies sell through independent insurance agencies. Cost effective 2003 Chevy Astro insurance is attainable online in addition to many insurance agents, so you should compare both so you have a total pricing picture.

Additional insurance coverage information can be read on the following sites:

• Distracted Driving (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Child Safety Seats (Insurance Information Insitute)