Lower Your 2003 Chevrolet Astro Insurance Rates

Looking for the cheapest auto insurance rates for your Chevrolet Astro? Do you get exhausted from trying to scrape together enough money to pay auto insurance each month? You are in the same boat as many other drivers.

Due to the fact that there are so many companies to choose from, it can be diffult for drivers to locate a lower cost insurance company.

It is always a good idea to do rate comparisons yearly because insurance prices are variable and change quite frequently. If you had the lowest rate for Astro insurance last year other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to learn how to quote online to lower your annual insurance bill.

Buying the cheapest car insurance coverage is simple if you know the tricks. In a nutshell, every driver who shops for car insurance will more than likely be able to save money. Although car owners do need to learn how insurance companies determine prices and use this information to your advantage.

How to find affordable insurance

To find cheaper rates, there are a couple of ways to obtain and compare prices from many insurance companies in your state. The simplest method to find affordable Chevy Astro insurance rates involves getting comparison quotes online. This can be done by using one of the methods below.

If you don’t have a lot of time, the easiest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This style of form keeps you from doing separate quotation requests for each company you want a rate for. Filling out one form gets rate comparisons from multiple low-cost companies.
A different way to analyze rates is to take the time to go to each company website to complete their respective quote request forms. For sake of this example, let’s say you want to see prices from Farmers, Geico and American Family. You would have to go to every website and type in your information over and over, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.
The most time-consuming way to find and compare rates is physically going to all the different insurance agencies. Comparing online rate quotes can eliminate the need for a local agent unless you have a complicated situation and need the professional assistance that only an agent can give. Drivers can get the lowest quotes online and have a local agent actually service the policy.

Which method you use is up to you, but compare exactly the same quote information with every price quote. If you compare different limits and deductibles on each one you will not be able to determine which rate is truly the best. Having just a slight variation in coverage limits could throw off the whole comparison. Keep in mind that more quotes gives you a better chance of getting a lower rate. Some companies don’t provide online rate quotes, so it’s important to compare price quotes from those companies as well.

Don’t overlook these insurance discounts

Companies offering auto insurance do not advertise every disount available very clearly, so the next list breaks down both the well known and also the lesser-known credits available to bring down your rates.

Drive Less and Save – Maintaining low annual mileage may allow you to get better insurancerates on cars that stay parked.
Defensive Driver Discounts – Completing a class that teaches defensive driver techniques could cut 5% off your bill and also improve your driving technique.
Sign Online – A few larger online companies will discount your bill up to fifty bucks just for signing your application on the web.
Military Deployment Discount – Having an actively deployed family member could mean lower premium rates.
Life Insurance – Insurance companies who offer life insurance give a discount if you purchase life insurance.

Remember that most credits do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

To see providers with discount insurance rates, click this link.

When to get professional advice

When it comes to choosing coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different and your policy should reflect that. For example, these questions can help discover if your situation will benefit from professional help.

Do I need an umbrella policy?
Is a new car covered when I drive it off the dealer lot?
Why does it cost so much to insure a teen driver?
Should I file a claim if it’s only slightly more than my deductible?
Is business equipment covered while in my vehicle?
Which is better, split liability limits or combined limits?
Do I need replacement cost coverage?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages for a Chevy Astro

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to people or other property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, court costs and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses such as ambulance fees, EMT expenses, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Chevy Astro.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays for 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 can pay for claims like a tree branch falling on your vehicle, falling objects, fire damage and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.