Lower Your 2004 Chevrolet Astro Cargo Insurance Rates

Trying to find cheaper insurance for your Chevy Astro Cargo can normally be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to buy car insurance and you need to know the quickest way to quote coverages on a Chevy and find the best price possible.

Find Chevy Astro Cargo insurance at a discount

Part of the car insurance buying process is learning a few of the rating criteria that help calculate car insurance rates. When you know what positively or negatively determines premiums, this allows you to make good choices that may reward you with cheaper rates. Many different elements are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although others are more obscure such as your marital status or your commute time.

The following are some of the things used by insurance companies to determine your rate level.

• Reduce prices by driving vehicles with better crash test results – Vehicles that have high safety ratings are cheaper to insure. The safest vehicles reduce the chance of injuries and fewer injuries translates directly to fewer claims which can result in lower premiums. If the Chevy Astro Cargo earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• What are good liability protection limits? – Your policy’s liability coverage will protect you in the event that a court rules you are at fault for causing personal injury or damage in an accident. It will provide legal defense coverage to defend your case. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Put fewer miles on your vehicle – The more you drive annually the higher the price you pay to insure it. A lot of companies charge rates determined by how the vehicle is used. Autos that sit idle most of the time cost less to insure than vehicles that are driven to work every day. Having the wrong rating on your Astro Cargo may be costing you higher rates. Double check that your car insurance coverage is showing the right rating data, because improper ratings can cost you money.
• Marriage discount – Having a significant other helps lower the price on car insurance. It demonstrates that you tend to be more financially stable and it’s proven that married drivers tend to have fewer serious accidents.
• Frequent policy claims increase car insurance rates – If you are a frequent claim filer, don’t be surprised to see increased rates or even have your policy non-renewed. Car insurance companies award lower rates to drivers who only file infrequent claims. Your insurance policy is intended to be relied upon for larger claims.
• Teenagers are high risk – Young drivers have been known to get distracted easily with other occupants in the car therefore car insurance rates are much higher. Adding a young driver to your car insurance policy will cause a huge premium hike. Older insureds are viewed as being more responsible, file fewer claims and tend to be get fewer driving tickets.

Discounts can really help lower rates

Car insurance is not cheap nor is it fun to buy but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but some need to be inquired about before you will receive the discount.

• New Vehicle Savings – Putting coverage on a new car is cheaper compared to insuring an older model.
• Military Discounts – Being on active duty in the military may qualify for rate reductions.
• Discount for Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
• Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your insurance coverage quote.

You should keep in mind that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

A partial list of companies that may offer many of the previously listed discounts may include but are not limited to:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

When getting a coverage quote, ask each company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in every state. To choose companies that offer discounts, click here to view.

Don’t believe everything you hear

Consumers can’t get away from all the ads that claim the cheapest rates from companies such as Progressive, Allstate and Geico. All the ads say the same thing that people will save if you move your insurance coverage to their company.

Is it even possible that every company can give you a better price? This is the way they can do it.

Companies give the best rates for the type of insured that will most likely be profitable. For instance, a preferred risk could possibly be between the ages of 40 and 55, has no claims, and chooses high deductibles. Anyone that meets those criteria receives the best premium rates and will save money with a new company.

Insureds who are not a match for these stringent criteria may be forced to pay more expensive rates which results in the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save money. That is how companies can make claims like that. Different companies use different criteria so it is so important to do a price quote comparison at every renewal. It’s impossible to know which insurance companies will provide the lowest rates.

Will just any policy work for me?

When buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions may help highlight whether you might need an agent’s assistance.

• Am I covered if I hit my neighbor’s mailbox?
• How many claims can I have before being cancelled?
• Am I covered when using my vehicle for business?
• Is motorclub coverage worth it?
• Should I have combined single limit or split liability limits?
• Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Astro Cargo.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like EMT expenses, rehabilitation expenses and funeral costs. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – This coverage pays for damage to your Astro Cargo resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, scraping a guard rail, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, fire damage, hitting a deer, damage from a tornado or hurricane and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability – Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, structural damage and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Saving money makes a lot of cents

People leave their current company for a variety of reasons including poor customer service, policy non-renewal, unfair underwriting practices or denial of a claim. It doesn’t matter what your reason, finding a new insurance coverage company is less work than it seems.

We’ve covered a lot of techniques to reduce 2004 Chevy Astro Cargo insurance car insurance rates online. The most important thing to understand is the more you quote insurance coverage, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with a lesser-known regional company.

Lower-priced 2004 Chevy Astro Cargo insurance is possible both online and from local agencies, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance providers do not provide price quotes online and many times these small insurance companies work with independent insurance agencies.

More tips and info about insurance coverage can be found in these articles:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Choosing an Insurance Company (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)