1999 Chevrolet Astro Insurance Rates – 7 Discounts for Best Quotes

Did budget coverage turn out to be an underperforming, overpriced car insurance policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their car insurance policy. You have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, lots of choices makes it harder to find a good deal.

How to get auto insurance price quotes

There are multiple methods to compare auto insurance prices but there is one way that is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most of the best insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and every company then gives them pricing for coverage. This saves time by eliminating form submissions for each company.

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The single downside to comparing rates this way is you are unable to specify which carriers to get quotes from. So if you prefer to choose specific providers to compare, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, be sure to compare apples-to-apples information for each quote you get. If your comparisons have higher or lower deductibles it’s impossible to decipher which rate is best.

You may need specialized insurance coverage

When choosing the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation would benefit from professional advice.

  • Do I pay less for low miles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When should I buy a commercial auto policy?
  • Are my friends covered when driving my 1999 Chevy Astro?
  • What are the best liability limits?
  • Is business equipment covered while in my vehicle?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Collision coverages – This pays for damage to your Astro from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 1999 Chevy Astro.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance – Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for bills for nursing services, rehabilitation expenses, ambulance fees, surgery and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay