1997 Chevrolet Astro Insurance Quotes – 10 Savings Tips

Trying to come up with a payment for overpriced auto insurance can bleed your family’s budget and force you to cut corners elsewhere. Performing a price comparison is recommended to make ends meet.

Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer and get the definite lowest rate possible.

You should take the time to shop coverage around occasionally because auto insurance prices are variable and change quite frequently. Just because you had the best price for Astro coverage a year ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because we’re going to show you the things you must know in order to find lower rates on auto insurance.

Which auto insurance is cheapest?

Most larger insurance companies allow you to get price estimates on their websites. Getting online rates is easy for anyone because you just enter the amount of coverage you want into the form. After you submit the form their rating system will obtain reports for credit and driving violations and quotes a price based on these factors. Being able to quote online simplifies rate comparisons, but the time it takes to visit multiple sites and type in your information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Keep reading for an easier way to compare prices

The preferred way to locate the lowest prices uses just one form that obtains quotes from a lot of companies. It saves time, eliminates repetitive work, and makes online price comparison much more efficient. Immediately after submitting the form, it gets priced and you can select any of the pricing results. If a lower price is quoted, you can click and sign and buy the new coverage. It can be completed in a matter of minutes and could lower your rates considerably.

To save time and use this form to compare rates, click here to open in new window and complete the simple form. To compare your current rates, we recommend you enter coverages and limits exactly as they are listed on your policy. Doing this guarantees you will be getting rate quotes for the exact same coverage.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

  • Is business equipment covered while in my vehicle?
  • Where can I find high-risk insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my camper covered by my car insurance policy?
  • Do I have newly-aquired coverage?
  • What if I owe more than I can insure my car for?
  • Does insurance cover tools stolen from my truck?
  • Should I buy additional glass protection?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance 101

Knowing the specifics of car insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average car insurance policy.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, crashing into a building, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as funeral costs, rehabilitation expenses, nursing services, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, hitting a deer and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, structural damage, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Chevy Astro.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.