1995 Chevrolet Astro Car Insurance Quotes

Searching for better auto insurance rates for your Chevrolet Astro? Buying low-cost auto insurance may seem to be somewhat difficult for beginners to price shopping online. With such a large choice of online companies, how are people able to have time to compare each option to find cheaper auto insurance rates?

The cheapest car insurance

When comparison shopping, there are several ways to compare prices from lots of car insurance companies. The easiest way to find the lowest Chevy Astro rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating multiple quote forms to each individual car insurance company. One quote request gets coverage cost estimates from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.

A harder way to analyze rates requires you to visit each individual company website and go through the quote process again. For examples sake, we’ll assume you need rates from Auto-Owners, Progressive and GMAC. In order to compare rates, you need to go to each individual site and type in your information over and over, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

Even if you have time, the least recommended method to do your price quoting is to spend your day driving to insurance agencies in your area. Quoting and buying insurance online eliminates this option unless you have a complicated situation and need the professional abilities that only a licensed agent can provide. Although, it is possible price shop online but have your policy serviced through an agent.

Take whichever approach you prefer, but make sure you use exactly the same coverage information for every quote you compare. If the quotes have higher or lower deductibles you will not be able to find the best deal for your Chevy Astro. Quoting even small variations in insurance coverages or limits could mean much higher rates. It’s important to know that more quotes helps you find a lower rate. Not every company does rate quotes online, so it’s important to compare quotes from those companies as well.

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Get lower rates by taking advantage of these five discounts

Some companies do not list every policy discount very well, so we break down some of the best known and the more hidden car insurance savings.

Employee of Federal Government – Federal government employees may reduce rates when you quote auto insurance on Astro insurance with some car insurance companies.
Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
Renewal Discounts – Some larger companies provide a discount for buying a new policy prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts could see savings of 20 to 30 percent.
Multi-policy Discount – When you have multiple policies with the same insurance company you could save up to 20% off your total premium.

It’s important to note that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you could get a free car insurance policy, nobody gets a free ride. Any qualifying discounts will definitely reduce your premiums.

The best car insurance companies and their offered discounts are included below.

GEICO offers discounts for emergency military deployment, anti-theft, multi-vehicle, seat belt use, federal employee, membership and employees, and daytime running lights.
SAFECO offers premium reductions for bundle discounts, safe driver, homeowner, accident prevention training, anti-theft, and multi-car.
State Farm may offer discounts for good driver, driver’s education, Drive Safe & Save, defensive driving training, safe vehicle, and multiple policy.
MetLife includes discounts for claim-free, good driver, good student, multi-policy, defensive driver, and accident-free.
21st Century offers discounts including student driver, teen driver, early bird, 55 and older, theft prevention, air bags, and homeowners.
Progressive has discounts for homeowner, multi-vehicle, continuous coverage, good student, multi-policy, and online quote discount.

If you need cheaper auto insurance quotes, ask every insurance company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to view providers who offer car insurance discounts, click here to view.

How much auto insurance do I need?

When it comes to buying the right insurance coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

Am I better off with higher deductibles on my 1995 Chevy Astro?
Should I file a claim if it’s only slightly more than my deductible?
Is a new car covered when I drive it off the dealer lot?
Where can I find DUI or SR-22 insurance?
How high should my uninsured/underinsured coverage be in my state?
Is my teenager covered with friends in the car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage information

Understanding the coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability coverages

This coverage will cover injuries or damage you cause to other people or property. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Chevy Astro.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills like EMT expenses, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, rock chips in glass, a broken windshield and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage covers damage to your Astro resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.