2004 Chevrolet Astro Insurance Cost

Searching for cheaper insurance rates for your Chevrolet Astro? Consumers fed up with high insurance rates and are new to comparing insurance coverage rates online are likely to find locating low cost insurance coverage is very challenging.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Nevertheless, vehicle owners must comprehend how insurance companies price insurance differently because it can help you find the best coverage.

Get cheap auto insurance rates with discounts

Not too many consumers would say auto insurance is affordable, but there are discounts available that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of purchase, but a few must be asked about prior to getting the savings. If you aren’t receiving every discount possible, you may be paying too high a price.

• E-sign Discounts
• Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
• Discounts for Cautious Drivers – Drivers without accidents can save as much as half off their rates on Astro coverage as compared to drivers with claims.
• One Accident Forgiven – This one isn’t a discount, but a few companies such as Geico and Allstate will let one accident slide without raising rates as long as you don’t have any claims for a particular time prior to the accident.
• Student in College – Children living away from home attending college and do not take a car to college could get you a discount.
• Good Students Pay Less – Excelling in school may save as much as 25% on a insurance coverage quote. Most companies allow this discount well after school through age 25.
• Homeowners Discount – Just being a homeowner can help you save on auto insurance because it requires personal responsibility.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the medical payments premium.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky.

A few companies that possibly offer some of the above discounts are:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

It’s a good idea to ask each insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not apply everywhere. To find companies offering auto insurance discounts, click here to view.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions might help in determining whether or not you will benefit from professional help.

• Is borrowed equipment or tools covered if stolen or damaged?
• What is roadside assistance coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is business property covered if stolen from my car?
• How do I insure my teen driver?
• Do I have coverage if my license is suspended?
• Is my trailer covered?
• Does my insurance cover my expensive audio equipment?
• Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form.

Save $393 a year. For real?

Car insurance companies such as Progressive, Geico, Allstate and State Farm seem to constantly run ads in print and on television. All the companies have a common claim that drivers will save a bundle if you move your coverage. But how can every company cost less than your current company? Here is the trick they use.

Car insurance companies are able to cherry pick for the type of driver that will generate a profit. For instance, this type of risk profile could possibly be over the age of 45, carries full coverage, and the vehicle is rated for pleasure use. Any new insured who matches that profile will probably get the lowest auto insurance rates as well as save a lot of money.

Potential customers who do not match the ideal profile will see higher premiums with the end result being the customer not buying. The ads state “customers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can lure you into getting a quote. That is why drivers should do a price quote comparison at every renewal. It’s not possible to predict which insurance companies will provide the lowest rates.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Chevy Astro.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hail damage, vandalism and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, surgery, nursing services, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

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

Collision coverage protects against claims such as hitting a mailbox, driving through your garage door, rolling your car, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as pain and suffering, structural damage, emergency aid, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

A tidy conclusion

When you buy insurance coverage online, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.

Insureds switch companies for many reasons like delays in responding to claim requests, high rates after DUI convictions, unfair underwriting practices and even delays in paying claims. It doesn’t matter why you want to switch switching companies is not as hard as you think.

We covered many ways to shop for 2004 Chevy Astro insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest insurance coverage. You may be surprised to find that the best premium rates are with some of the lesser-known companies.

Even more information is available by following these links:

• Should I Buy a New or Used Car? (Allstate)
• State Car Insurance Guides (Geico)
• Red Light Cameras (State Farm)
• Older Drivers FAQ (iihs.org)