1994 Chevrolet Astro Insurance Quotes – 8 Discounts for Cheaper Rates

Buyers have lots of choices when searching for affordable Chevy Astro insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to get rate quotes. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the quickest way to quote coverages for a Chevy and locate the lowest possible price.

Buying car insurance is not rocket science. If you have car insurance now, you will be able to save some money using this information. Drivers just need to know the best way to compare company rates on the web.

How to buy insurance online

There are a variety of methods to compare insurance prices but some are less time-consuming than others. You can waste hours discussing policy coverages with insurance companies in your area, or you could save time and use the internet to achieve your goal.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company then returns a price quote based on that information. This system prevents you from having to do quotation requests for each company.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to doing it this way is you don’t know exactly which companies to get pricing from. So if you want to choose individual companies to compare prices, we have a page of low cost insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just try to keep nearly identical coverages with each company. If your comparisons have different deductibles it will be nearly impossible to truly determine the lowest rate.

Cheap car insurance quotes with discounts

Buying car insurance is not cheap, but you might find some hidden discounts that can drop the cost substantially. Some discounts will apply at quote time, but some must be inquired about prior to getting the savings.

• Multi-Vehicle Discounts – Insuring multiple vehicles on the same car insurance policy can get a discount on all vehicles.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
• Driver Education Discount – Teen drivers should complete a driver education course as it can save substantially.
• Active Service Discounts – Being deployed in the military could qualify you for better prices.
• Save with a New Car – Adding a new car to your policy can save up to 30% because newer models are generally safer.
• Life Insurance – Larger car insurance companies have a lower premium rate if you buy some life insurance in addition to your auto policy.
• Seat Belts Save – Drivers who require all occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
• Paperless Signup – Many car insurance companies will discount your bill up to fifty bucks for signing up digitally online.

Remember that most discount credits are not given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

The best car insurance companies and some of the discounts can be read below.

• Geico offers discounts including anti-theft, membership and employees, good student, seat belt use, federal employee, driver training, and defensive driver.
• MetLife has discounts for multi-policy, good driver, claim-free, good student, and accident-free.
• Progressive policyholders can earn discounts including multi-policy, continuous coverage, online signing, homeowner, good student, and multi-vehicle.
• Travelers includes discounts for save driver, IntelliDrive, early quote, multi-policy, good student, driver training, and multi-car.
• SAFECO discounts include homeowner, anti-lock brakes, drive less, teen safe driver, teen safety rewards, and bundle discounts.
• AAA may include discounts for multi-car, AAA membership discount, anti-theft, multi-policy, pay-in-full, and education and occupation.

Before buying, ask each company to apply every possible discount. All car insurance discounts may not be offered in your area. To see providers that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation would benefit from professional advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Can I rate high risk drivers on liability-only vehicles?
• Am I insured when driving a different vehicle?
• Is my custom paint covered by insurance?
• What is medical payments coverage?
• Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Auto liability insurance – Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for 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 limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, medical services and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical expense insurance – Med pay and PIP coverage reimburse you for expenses for things like pain medications, rehabilitation expenses and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Astro.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, vandalism and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.