2004 Chevrolet Astro Cargo Insurance Rates – 10 Discounts for Best Quotes

Want better insurance coverage rates for your Chevrolet Astro Cargo? Scraping up a payment for overpriced Chevrolet Astro Cargo insurance can diminish your budget and force you to make tough financial choices. Comparing rates annually can be a smart way to lower your bills every month.

Vehicle owners have many insurers to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to find the lowest cost provider.

Cheap insurance coverage rates with discounts

Auto insurance companies don’t necessarily list the entire discount list very well, so the list below contains some of the best known and the harder-to-find credits available to bring down your rates.

  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Driving Data Discount – Drivers who elect to allow their company to study vehicle usage by using a telematic data system such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance with the same insurance company you will save as much as 10 to 15 percent.
  • Mature Driver Discount – Drivers over the age of 55 are able to get a slight reduction on a car insurance quote for Astro Cargo insurance.
  • New Car Discount – Insuring a vehicle that is new can cost up to 25% less due to better safety requirements for new model year vehicles.
  • Safety Course Discount – Passing a defensive driver course could possibly earn you a 5% discount depending on where you live.
  • Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Theft Prevention System – Cars with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your car insurance quote.
  • Student in College – Youth drivers who are attending college and leave their car at home can be insured at a reduced rate.
  • Save with More Vehicles Insured – Buying insurance for all your vehicles with one company can reduce the rates for all insured vehicles.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think you could get a free insurance coverage policy, companies wouldn’t make money that way. Any amount of discount should help lower the cost of coverage.

Popular insurance coverage companies and a selection of discounts are detailed below.

  • Geico has discounts for emergency military deployment, daytime running lights, multi-policy, driver training, and membership and employees.
  • SAFECO may include discounts for bundle discounts, safe driver, homeowner, teen safety rewards, and drive less.
  • State Farm offers discounts for accident-free, good student, passive restraint, anti-theft, student away at school, multiple autos, and Drive Safe & Save.
  • MetLife may have discounts that include defensive driver, accident-free, good student, multi-policy, good driver, claim-free
  • 21st Century discounts include air bags, teen driver, student driver, anti-lock brakes, and driver training.
  • Progressive includes discounts for multi-vehicle, homeowner, online signing, good student, multi-policy, and continuous coverage.

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Savings may not apply to policyholders in your state.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine if you could use an agent’s help.

  • Am I getting all the discounts available?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is business property covered if stolen from my car?
  • Which companies will insure high-risk drivers?
  • Am I covered if hit by an uninsured driver?
  • Am I better off with higher deductibles on my 2004 Chevy Astro Cargo?
  • If I drive on a suspended license am I covered?
  • Am I covered by my spouse’s policy after a separation?
  • How much can I save by bundling my policies?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Can you really save $456 a year?

Car insurance companies such as State Farm, Allstate and Geico continually stream ads on TV and radio. All the ads seem to make the promise that people will save if you switch your policy. How is it plausible that every one can make almost identical claims?

Car insurance companies quote their cheapest rates for the type of driver that earns them the highest profit. A good example of this type of driver may be over the age of 40, has other policies, and drives a lower-performance vehicle. Any customer who fits that profile will get low rates and is almost guaranteed to cut their rates substantially.

Insureds who do not match these standards may be forced to pay a more expensive rate and business going elsewhere. The wording the ads use say “people who switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can confidently make claims that they all have the best prices. Because of these techniques, you really should quote coverage with many companies. Because you cannot predict the company that will have the lowest premium rates for your situation.

Insurance coverages explained

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, emergency aid, attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

UM/UIM Coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2004 Chevy Astro Cargo.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses like X-ray expenses, pain medications and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, theft and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This coverage will pay to fix damage to your Astro Cargo resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Make an honest buck

Lower-priced 2004 Chevy Astro Cargo insurance can be purchased from both online companies as well as from independent agents, so you need to shop car insurance with both to get a complete price analysis. There are still a few companies who may not provide online price quotes and most of the time these regional carriers sell through local independent agents.

When searching for inexpensive car insurance quotes, don’t be tempted to reduce needed coverages to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of ways to compare 2004 Chevy Astro Cargo insurance prices online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding inexpensive car insurance. You may even find the lowest prices are with the least-expected company. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

Much more information about car insurance is located on the following sites: