How Much Does 2005 Chevrolet Astro Car Insurance Cost?

Searching for lower insurance coverage rates for your Chevrolet Astro? Overwhelmed by the sheer number of insurance coverage companies? drivers have so many companies to choose from that it can turn into a real hassle to find the best premium rates.

It’s a good habit to get comparison quotes quite often since insurance prices change frequently. Just because you had the best price on Astro coverage two years ago you can probably find a lower rate today. You can search a lot of insurance coverage online, but in a few minutes you can learn the easiest ways to lower your insurance coverage rates.

Buying car insurance is not that difficult. Essentially every driver who has to buy insurance coverage stands a good chance to be able to cut their insurance bill. Although vehicle owners must understand how the larger insurance companies price online insurance.

Free car insurance quotes

When shopping for low cost auto insurance quotes, there are a couple of ways to compare rate quotes from all the different companies. The quickest method to find the cheapest Chevy Astro insurance rates consists of shopping online. This is quite simple and can be completed in a couple minutes as outlined below.

1. The recommended way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating separate quotes for every prospective company. Just one form will return price quotes direct from many companies. It’s definitely the quickest method.
2. A harder way to compare prices is to take the time to go to each company website to request a price quote. For instance, let’s say you want to see prices from Geico, Farmers and State Farm. To find out each rate you need to go to each individual site and type in your information over and over, which can get rather old.

   To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but compare identical coverage limits and deductibles on every quote you get. If you compare different deductibles you will not be able to decipher which rate is best. Slightly different coverage limits could mean much higher rates. Just keep in mind that comparing a wide range of rates provides better odds of finding the best price. Some smaller insurers to not give rate quotes online, so you also need to get quotes from them as well.

Six things that influence your insurance prices

Lots of things are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other factors are more transparent such as your marital status or your financial responsibility.

The items below are just a few of the factors used by insurance companies to determine your rate level.

• No insurance coverage claims equals cheaper premiums – If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies generally give better rates to insureds who are claim-free. Auto insurance is intended for claims that you cannot pay yourself.
• Don’t cut corners with liability insurance – Liability insurance provides coverage if ever you are responsible for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense starting from day one. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
• Tickets and citations cost more than a fine – Careful drivers pay less for auto insurance as compared to those with violations. Having just one speeding ticket could increase your next policy renewal to the point where it’s not affordable. Drivers unfortunate enough to have license-revoking citations like DUI, reckless driving or excessive speeding may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to prevent their license from being revoked.
• Insurance rates for married couples – Having a significant other helps lower the price on your insurance coverage policy. It usually means you are more stable financially it has been statistically shown that married drivers get in fewer accidents.
• Rural vs Urban Areas – Residing in a small town can save you money if you are looking for the lowest rates. Less people corresponds to lower accident rates and a lower car theft rate. People who live in big cities regularly have more traffic problems and longer commute times. More time on the road means more chance of being in an accident.
• Youthful drivers pay high premiums – Teen drivers are known to be less responsible when driving therefore insurance coverage rates are much higher. Older people are viewed as being more responsible, tend to file fewer claims and receive fewer citations.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of quoting, but once in a while a discount must be specially asked for in order for you to get them.

• Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on Astro coverage with select insurance companies.
• Low Miles Discount – Keeping the miles down on your Chevy could qualify for slightly better premium rates than normal.
• Service Members Pay Less – Being deployed in the military could be rewarded with lower insurance rates.
• Telematics Data Discounts – Drivers who agree to allow driving data submission to monitor where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
• Switch and Save Discount – Some insurance companies give discounts for signing up prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
• Use Seat Belts – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Good Students Pay Less – Excelling in school may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students well after school through age 25.
• Drivers Education – Require your teen driver to sucessfully take a drivers education course as it can save substantially.
• Accident Waiver – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident before raising your premiums if you are claim-free prior to the accident.

As a footnote on discounts, some credits don’t apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts should help lower the amount you pay for coverage.

If you would like to view insurance companies with the best discounts, click here to view.

Insurance is unique, just like you

When buying the best insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions could help you determine whether you may require specific advice.

• Do I need motorclub coverage?
• Am I covered if I break a side mirror?
• Is borrowed equipment or tools covered if stolen or damaged?
• How much liability insurance is required?
• Will I lose any money if I cancel my policy before it expires?
• What is roadside assistance coverage?
• Can I still get insurance after a DUI?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage covers damage to your Astro from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Astro.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like hospital visits, EMT expenses, ambulance fees and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, medical services and court costs. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, damage from flooding, vandalism and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Save your cold hard cash

In this article, we covered a lot of ways to get a better price on 2005 Chevy Astro insurance. It’s most important to understand that the more providers you compare, the better likelihood of getting the cheapest auto insurance. You may even find the most savings is with a company that doesn’t do a lot of advertising.

Drivers leave their current company for any number of reasons including questionable increases in premium, denial of a claim, being labeled a high risk driver and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

Some insurance companies don’t offer the ability to get quotes online and many times these smaller providers provide coverage only through independent agencies. Cost effective 2005 Chevy Astro insurance is definitely available online and with local insurance agents, and you need to price shop both to get a complete price analysis.

Much more information about insurance is available at these links:

• Bodily Injury Coverage (Liberty Mutual)
• Information for Teen Drivers (Geico)
• Driving in Bad Weather (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)