1991 Chevrolet Astro Insurance Quotes

Want cheaper auto insurance rates for your Chevrolet Astro? Nobody likes having to buy auto insurance, especially knowing the cost is way too high. People have so many auto insurance companies to choose from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to get the best deal.

Consumers should take time to compare rates yearly because prices change frequently. Even if you got the lowest price on Astro coverage at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to teach you the fastest way to find lower rates on auto insurance.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Consumers just need to learn the best way to get comparison quotes on the web.

Compare auto insurance quotes online

There are a lot of ways to compare auto insurance prices but some are less time-consuming than others. You can waste hours discussing policy coverages with agents in your area, or you can stay home and use the internet to maximize your effort.

Most of the larger companies enroll in a system where insurance shoppers complete one form, and each company then returns a price quote determined by their information. This prevents consumers from doing quotation requests to every company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to pricing coverage this way is that consumers can’t choose which companies to get quotes from. If you wish to select specific insurance companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but try to use identical information for each quote you get. If you enter differing limits it’s impossible to get a fair rate comparison.

Discounts for cheaper insurance coverage rates

Insurance can cost an arm and a leg, but there may be some discounts that you may not even know about. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be inquired about in order for you to get them. If you’re not getting every credit available, you could be paying more than you need to.

  • Student in College – Any of your kids who are attending college and do not have a car could get you a discount.
  • Driving Data Discount – Insureds who allow their insurance company to track their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they exhibit good driving behavior.
  • Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course in high school.
  • Sign Early and Save – A few insurance coverage companies give discounts for buying a new policy before your current policy expires. It could save around 10% when you buy insurance coverage online.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Accident Waiver – Not a discount per se, but a handful of insurance companies allow you one accident before hitting you with a surcharge so long as you are claim-free for a specific time period.
  • Homeowners Discount – Just being a homeowner can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts can save a little on the medical payments or PIP coverage costs.

Don’t be surprised that most of the big mark downs will not be given the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any qualifying discounts should help lower your policy premiums.

Some companies that may have most of the discounts above include:

If you need lower rates, check with every insurance company which discounts can lower your rates. Depending on the company, some discounts might not apply everywhere. To view companies who offer online insurance coverage quotes, click this link.

Save money with these tips

Multiple criteria are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but other criteria are not quite as obvious such as your credit history or your vehicle rating.When buying insurance it’s important to understand the rating factors that are used to determine your premiums. When consumers understand what determines base rates, this enables informed choices that will entitle you to lower insurance prices.

The following are just a few of the factors insurance companies consider when setting rates.

  • Small claims can cost you – Auto insurance companies give discounts to drivers who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is intended to be relied upon for larger claims.
  • Bad credit hurts insurance rates – An insured’s credit score is a large factor in your rate calculation. If your credit history could use some work, you could potentially save money when insuring your 1991 Chevrolet Astro by taking the time to improve your credit score. Consumers who have excellent credit tend to be better risks to insure than drivers with poor credit scores.
  • Is your vehicle theft-ready? – Driving a car with an alarm system can save you a little every year. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.
  • Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and lower injury rates means lower claim amounts which can result in lower premiums.
  • Lower miles driven equals lower premium – The more you drive your Chevy each year the more it will cost to insure it. A lot of companies apply a rate based on how the vehicle is used. Vehicles that do not get driven very much cost less to insure as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your insurance declarations sheet shows the correct usage for each vehicle, because it can save money. An improperly rated Astro is throwing money out the window.
  • Urban areas may pay more – Residing in smaller towns and rural areas of the country is a good thing when buying insurance. Drivers in populated areas have to deal with traffic congestion and more time behind the wheel. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • How much liability coverage do you need? – Liability coverage will afford coverage in the event that you are determined to be liable for causing personal injury or damage in an accident. Liability provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is no cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • Do I need medical payments coverage since I have good health insurance?
  • Can I afford to buy a different vehicle if my 1991 Chevy Astro is totaled?
  • Is a fancy paint job covered?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • How much liability coverage do I need in my state?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Save $448 a year. For real?

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Allstate and Geico. They all state the claim about savings if you move to their company.

It sounds good, but how can they all sell you cheaper insurance coverage? This is the trick they use.

Insurance companies are able to cherry pick for the type of driver that earns them the most money. An example of this type of driver might be between 30 and 50, insures multiple vehicles, and insures a new vehicle. Anyone that fits those parameters will most likely get cheap rates and will also cut their rates if they switch.

Consumers who don’t measure up to this stringent profile will see higher premiums and this can result in the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That is how companies can lure you into getting a quote. This really drives home the point why you absolutely need to do a price quote comparison at every renewal. It’s just not possible to know which company will have the best car insurance rates for your profile.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, fire damage and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance can cover injuries or damage you cause to a person or their property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like attorney fees, funeral expenses, legal defense fees and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Astro.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

A little work can save a LOT of money

When getting insurance coverage quotes online, you should never sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

We’ve covered many ways to compare 1991 Chevy Astro insurance car insurance rates online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest car insurance rates come from a lesser-known regional company. These smaller insurers may have significantly lower premium rates on certain market segments than the large multi-state companies such as Progressive or Geico.

Additional detailed information is located in these articles: