Lower Your 1993 Chevrolet Astro Insurance Cost

Looking for better auto insurance rates for your Chevrolet Astro? Purchasing the lowest price auto insurance can seem to be rather challenging for vehicle owners who are beginners to quoting and comparing rates over the internet. With so many online companies available, how can drivers possibly compare every company in order to find the lowest rates?

You should take the time to price shop coverage quite often since insurance prices change regularly. Just because you had the lowest rates for Astro insurance six months ago there may be better deals available now. You can search a lot of auto insurance online but in a few minutes you can learn some great ways to reduce your auto insurance bill.

Seven tips to get cheaper insurance prices

A large part of saving on car insurance is knowing some of the factors that come into play when calculating the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that will entitle you to lower rates. Many factors are taken into consideration when premium rates are determined. Some factors are common sense like an MVR report, but some are less apparent like where you live or your financial responsibility.

The itemized list below are some of the things car insurance companies consider when setting premiums.

  • Pay less with a high NHTSA crash test rating – Safer cars tend to have lower insurance rates. These vehicles reduce the chance of injuries and lower injury rates means less claims paid and lower rates for you. If your Chevy Astro has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Physical damage deductibles – Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some examples of claims that would be covered could be running into the backend of another car, flood damage, and damage from a fallen tree branch. Comp and collision deductibles represent how much money you are required to spend if you file a covered claim. The more money you pay before a claim is paid (deductible), the less money you will pay for car insurance for Astro insurance.
  • More traffic means higher claims – Choosing to live in a small town may provide you with better prices when trying to find low car insurance rates. Residents of big cities have congested traffic and longer commute times. Less people translates into fewer accident claims and also fewer theft and vandalism claims.
  • Your job and car insurance rates – Did you know your occupation can influence how much you pay for car insurance? Occupations like military personnel, social workers and emergency personnel have higher premiums than the average policyholder in part from intense work-related stress and lots of time spent at work. Conversely, jobs like scientists, students and performers generally pay rates lower than average for Astro insurance.
  • Policy add-ons may not be needed – There are quite a few additional extra coverages that you can buy but may not be useful. Coverages for replacement cost coverage, towing, and term life insurance are examples of these. The coverages may be enticing initially, but now you might not need them so get rid of them and save.
  • Drive less and save – The higher the mileage driven in a year’s time the more it will cost to insure it. Most companies charge rates based upon how much you drive. Autos that have low annual miles receive lower rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your car insurance policy reflects the correct usage, because it can save money. An improperly rated Astro may be costing you higher rates.
  • Gender and auto insurance – Statistics have proven that females take fewer risks when driving. However, this does not mean females are better at driving than males. Females and males have auto accidents in similar percentages, but males have costlier accidents. Men also statistically get higher numbers of serious violations such as reckless driving.

Car insurance policy discounts you can’t miss

Car insurance companies don’t always list all available discounts very clearly, so the list below contains both well-publicized and the more hidden ways to save on car insurance.

  • Early Signing – A few companies offer discounts for signing up before your current expiration date. Ten percent is about the average savings.
  • Buy New and Save – Putting insurance coverage on a new car can save up to 30% because new model year vehicles are generally safer.
  • Good Student Discount – Being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • E-sign – Many larger companies may give you up to $50 for completing your application on your computer.
  • Military Rewards – Being on active duty in the military could be rewarded with lower car insurance rates.
  • Life Insurance Discount – Larger insurance carriers have lower rates if you buy life insurance from them.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with one insurance company you could earn a discount of nearly 15% which can help you find cheaper insurance coverage.
  • Low Mileage – Driving less could earn discounted prices on garaged vehicles.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you could get a free car insurance policy, it doesn’t quite work that way.

Insurance companies who might offer most of these discounts possibly include:

If you need the cheapest insurance coverage quotes, ask every prospective company which discounts you may be entitled to. Discounts may not apply in your area. If you would like to choose from a list of insurers with the best car insurance discounts, click this link.

Save $449 a year! What?

Progressive, Allstate and Geico consistently run ads on TV and radio. They all seem to state the claim that you can save just by switching to their company. How does every insurance coverage company charge less that you’re paying now? It’s all in the wording.

Many companies give the cheapest rates for the type of insured that will generate a profit. One example of a driver they prefer may be a mature driver, insures multiple vehicles, and chooses high deductibles. Any driver that meets those criteria may get the lowest premium rates and most likely will save when they switch companies.

Insureds who fall outside these standards may be required to pay higher premium rates with the end result being the customer buying from a different company. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can state the savings. This really drives home the point why you really should get insurance coverage quotes from several different companies. It is impossible to guess which insurance coverage company will give you the biggest savings.

Insurance agents can help

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you may require specific advice.

  • Is upholstery damage covered by car insurance?
  • What can I do if my company denied a claim?
  • If I drive on a suspended license am I covered?
  • What is PIP insurance?
  • Who is covered by my policy?
  • What happens if I owe more than my 1993 Chevy Astro is worth?
  • I have health insurance so do I need medical payments coverage?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Detailed coverages of your insurance policy

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability – Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, medical expenses and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage resulting 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 coverage pays for things such as rolling your car, backing into a parked car, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense coverage – Med pay and PIP coverage pay for bills such as EMT expenses, funeral costs, surgery, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and damage from getting keyed. The maximum amount your insurance company will pay 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.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your 1993 Chevy Astro.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Smart consumers save more

We just showed you some good ideas how to reduce 1993 Chevy Astro insurance car insurance rates online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the best car insurance rates are with a company that doesn’t do a lot of advertising.

Consumers switch companies for a number of reasons such as unfair underwriting practices, policy cancellation, being labeled a high risk driver and even delays in paying claims. No matter why you want to switch, switching companies is not as hard as you think.

When you buy insurance coverage online, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

More detailed insurance coverage information is located in the articles below: