2000 Chevrolet Astro Cargo Car Insurance Cost – 10 Savings Tips

Did you make the mistake of buying an expensive car insurance policy? It’s quite common and many drivers have buyer’s remorse.

Popular companies such as State Farm, Geico and Farmers Insurance increase brand awareness with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Consumers should take time to check car insurance prices at least once a year because rates are constantly changing. Even if you got the lowest premium rates for Astro Cargo coverage on your last policy a different company probably has better prices today. Forget anything you know (or think you know) about car insurance because you’re going to learn how to use the internet to lower your annual insurance bill.

Take these ten policy discounts and save

Companies offering auto insurance don’t always list every possible discount very clearly, so we researched a few of the more well known and also the lesser-known ways to save on insurance coverage.

  • Early Renewal Discounts – A few larger companies offer discounts for buying a new policy early. You can save around 10% with this discount.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared to policyholders that have many claims.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you will save nearly 15% which can help you find the cheapest car insurance.
  • Data Collection Discounts – Insureds who allow their insurance coverage company to scrutinize driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts as long as the data is positive.
  • Organization Discounts – Participating in a civic or occupational organization could qualify you for a break on your next renewal.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
  • Discount for Home Ownership – Owning a home can get you a discount because of the fact that having a home requires personal responsibility.
  • Discounts for New Vehicles – Buying a new car model can save up to 30% because newer vehicles keep occupants safer.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Multiple Cars – Buying insurance for multiple cars on the same insurance coverage policy can reduce the rates for all insured vehicles.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works.

Companies that have many of the previously listed discounts are:

If you want cheaper car insurance quotes, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered on policies in your area. To view providers who offer free insurance coverage quotes, click here.

Which policy gives me the best coverage?

When buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help highlight if your insurance needs will benefit from professional help.

  • What is medical payments coverage?
  • How much liability do I need to cover my assets?
  • Does coverage extend to my business vehicle?
  • Am I covered if I drive in a foreign country?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is roadside assistance coverage?
  • Why does it cost so much to insure a teen driver?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Coverages available on your policy

Learning about specific coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

Uninsured or underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like ambulance fees, nursing services and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield, hitting a bird and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This will pay to fix damage to your Astro Cargo caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, hitting a mailbox, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Liability coverage

This protects you from injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like structural damage, court costs and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Smart shoppers get results

You just learned a lot of ways to compare 2000 Chevy Astro Cargo insurance premium rates online. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. You may even discover the best price on car insurance is with a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

Budget-friendly car insurance can be found online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide internet price quotes and usually these small, regional companies prefer to sell through independent insurance agencies.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your goal is to buy enough coverage for the lowest price while still protecting your assets.

More detailed car insurance information is available by following these links: