Save on 1997 Chevrolet Astro Cargo Insurance Quotes

Looking for the cheapest insurance rates for your Chevrolet Astro Cargo? Finding cheap Driversinsurance can seem to be frustrating for drivers not familiar with online comparison shopping. People have so many agents and companies to choose from that it can quickly become a lot of work to find the perfect company for you.

Free car insurance price quotes

There are several ways to compare quotes from car insurance companies in your area. The simplest method to find cheaper Chevy Astro Cargo rates involves getting comparison quotes online. This can be accomplished in several different ways.

  1. The most efficient method to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. Taking the time to complete one form compares rates from all major companies. It’s the fastest way to compare.
  2. A more difficult way to obtain and compare quotes online is to take the time to go to the website for each individual company and complete a new quote form. For instance, let’s say you want to compare rates from Progressive, 21st Century and GMAC. To get each rate you have to visit each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.
  3. The old school way to comparison shop is to waste gas driving to insurance agencies in your area. Quoting and buying insurance online reduces the need to sit down with an agent unless you want the trained advice of an agent trained in personal lines coverage. Although, it is possible obtain prices from the web but buy the policy through an agent.

It’s up to you which method you use, but make sure you use equivalent coverage information for each comparison quote. If the quotes have unequal deductibles or liability limits then you won’t be able to make a fair rate comparison. Having just a slight variation in insurance coverages can make a big difference in price. And when comparing car insurance rates, know that comparing a wide range of rates gives you a better chance of getting a better price. Some companies don’t provide price estimates online, so it’s necessary to compare quotes from those companies as well.

The ad said I’d save $432 a year!

Respected companies like 21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies advertise claims that drivers can save some big amount if you get a free car insurance quote and switch your policy. How is it possible that every company can make almost identical claims? This is the trick they use.

Most companies give the best rates for a prospective insured that is profitable for them. For instance, a profitable customer might have to be over age 30, has had continuous coverage, and drives less than 7,500 miles a year. Anybody who fits that profile will get a cheap rate quote and most likely will save some money.

Potential insureds who do not match these criteria may be forced to pay higher prices which translates to the customer not purchasing. The trick is to say “customers who switch” not “all people who quote” save that much when switching. That’s why companies can make the claims of big savings.

Each company has different criteria, so you really should get price quotes at each policy renewal. It’s impossible to know the company that will be your best fit.

Why your insurance premiums might be higher

Smart consumers have a good feel for the rating factors that are used to determine the level of your policy premiums. When consumers understand what influences your rates, this allows you to make good choices that may reward you with big savings. Many factors are used when pricing auto insurance. Some are obvious such as your driving record, although others are more obscure like where you live or your commute time.

  • Where you live – Having an address in small towns and rural areas is a positive aspect when it comes to car insurance. City drivers regularly have more traffic problems and higher rates of accident claims. Fewer people means fewer accidents in addition to fewer liability claims.
  • Higher deductibles are cheaper – The deductibles are how much the insured will be required to pay if a covered claim is submitted. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be collision with another vehicle, vandalism, or theft of your vehicle. The higher the amount you are required to pay out-of-pocket, the less money you will pay for car insurance on Astro Cargo insurance.
  • Insurance rates for married couples – Walking down the aisle may cut your premiums on your car insurance policy. Having a spouse usually means you are more stable financially and it’s statistically proven that being married results in fewer claims.
  • Always keep your car insurance in place – Not maintaining insurance is not a good idea and car insurance companies will penalize you for letting your insurance coverage expire. In addition to paying higher rates, being ticketed for driving with no insurance may result in a license revocation or jail time.
  • Poor credit decisions can cost you – An insured’s credit rating factor in determining what you pay. If your credit is low, you could save money insuring your 1997 Chevrolet Astro Cargo by improving your rating. Drivers with very good credit scores tend to be better risks to insure than drivers who have lower credit ratings.
  • Buy a safe car and pay less – Vehicles with high crash test scores can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Chevy Astro Cargo scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Younger vs. mature drivers – Beginning drivers have been known to be inattentive and easily distracted when driving and because of this, their car insurance rates are much higher. Having to add a inexperienced driver onto a policy can cause a big jump in price. Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.

Auto insurance companies offer money-saving discounts

Some providers don’t necessarily list every discount they offer in a way that’s easy to find, so the following list contains some of the more common and the harder-to-find discounts you could be receiving when you buy car insurance online.

  • College Student Discount – College-age children who are attending college and do not have a car can be insured at a reduced rate.
  • Full Payment Discount – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.
  • Low Miles Discount – Driving fewer miles can qualify you for substantially lower auto insurancerates.
  • Multi-policy Discount – When you combine your auto and homeowners insurance with one company you could save up to 20% and get you cheap car insurance.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may get savings up to 30%.
  • Active Service Discounts – Being on active duty in the military may lower your rates slightly.
  • Telematics Discount – People who choose to allow their auto insurance company to analyze vehicle usage remotely like Allstate’s Drivewise could possibly reduce rates as long as the data is positive.
  • Buy New and Save – Insuring a vehicle that is new can be considerably cheaper because new model year vehicles keep occupants safer.

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To choose auto insurance companies who offer cheap auto insurance quotes, click here to view.

Do I just need basic coverages?

When buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need more liability coverage?
  • Does my 1997 Chevy Astro Cargo need full coverage?
  • What happens if I owe more than my 1997 Chevy Astro Cargo is worth?
  • Does insurance cover damages from a DUI accident?
  • Should I have a commercial auto policy?
  • Do I pay less for low miles?
  • Do I have coverage if my license is suspended?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance specifics

Learning about specific coverages of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Astro Cargo.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses such as chiropractic care, ambulance fees, prosthetic devices, EMT expenses and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability insurance

Liability insurance can cover damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, court costs and structural damage. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from getting keyed, hail damage, rock chips in glass and falling objects. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays for damage to your Astro Cargo resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, crashing into a ditch, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Affordable insurance is out there

Drivers switch companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, policy cancellation or denial of a claim. Regardless of your reason, switching insurance companies is pretty easy and you might even save some money in the process.

Affordable 1997 Chevy Astro Cargo insurance can be sourced on the web as well as from insurance agents, and you should be comparing both to have the best selection. Some insurance providers don’t offer rates over the internet and many times these smaller providers sell through independent insurance agents.

In this article, we covered quite a bit of information on how to shop for 1997 Chevy Astro Cargo insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the lowest premium rates are with an unexpected company.

Helpful articles