1991 Chevrolet Astro Insurance Quotes – 5 Savings Tips

Trying to find the cheapest insurance coverage rates for your Chevrolet Astro? Trying to find cheaper insurance coverage might be very difficult for people who have little experience online rate comparisons. With such a large choice of companies competing online, it can quickly become more work than you anticipated to find the best price.

It’s a good habit to compare prices on a regular basis because prices change quite often. Even if you think you had the lowest rates for Astro coverage at your last renewal there may be better deals available now. You’ll find a ton of advice on insurance coverage online but by reading this article, you’re going to learn some good information on how to find cheap insurance coverage.

Ways to get insurance quotes

There are several ways to compare quotes from lots of insurance companies. The simplest method to find the cheapest 1991 Chevy Astro insurance rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

If you are pressed for time, the simplest way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This type of form prevents you from having to do multiple quote forms for every company. In just a few minutes this one form will get you rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.

A different way to analyze rates is to manually visit the website for each individual company and complete a new quote form. For sake of this example, we’ll assume you want to compare State Farm, Liberty Mutual and Progressive. To get each rate you have to go to every website and repeatedly enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

If you have time to kill, the last method to get comparison rates is making phone calls or going to and from local insurance agencies. Comparing rate quotes online makes this process obsolete unless you want the professional guidance that only a licensed agent can provide. It is possible with some companies get the lowest quotes online but still have the advice of a local agent.

Take whichever approach you prefer, but ensure you’re using the same deductibles and coverage limits for each price quote. If the quotes have higher or lower deductibles it will be next to impossible to truly determine the lowest rate. Just slight variations in coverage limits may cause a big price difference. And when comparison shopping, comparing a large number of companies provides better odds of finding a lower rate. Not every company does price estimates online, so it’s important to compare price quotes from those companies as well.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Every situation is different.

For instance, these questions may help highlight if your situation may require specific advice.

  • Am I covered if I wreck a rental car?
  • When do I need to add a new car to my policy?
  • Am I covered if I hit a deer?
  • Does liability extend to a camper or trailer?
  • What if I don’t agree with a claim settlement offer?
  • Who is covered when they drive my 1991 Chevy Astro?
  • Am I covered when driving on a suspended license?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Specific coverages for a 1991 Chevy Astro

Having a good grasp of car insurance can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage pay for bills such as X-ray expenses, ambulance fees, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for liability

This protects you from damage that occurs to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects, legal defense fees and medical services. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from 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 claims like damage from flooding, fire damage and vandalism. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.