1998 Chevrolet Astro Insurance Quotes – 10 Tips for Best Rates

Searching for cheaper auto insurance rates for your Chevrolet Astro? No sane person fancies paying their premiums for auto insurance, particularly when they are paying too much.

With so many choices of insurance companies, it can be hard to find the right company.

You need to compare prices every six months because prices trend upward over time. Even if you think you had the best quotes for Astro coverage two years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to teach you the tricks you need to know to find lower rates on auto insurance.

Where can I get cheap car insurance?

Effectively comparing car insurance prices can be a daunting task if you don’t understand the fastest way to get free quotes. You can spend countless hours driving to insurance agencies in your area, or you could use the internet to maximize your effort.

All the larger companies take part in a program that allows shoppers to submit one quote, and every company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to every company.

To access this free quoting program, click to open in new window.

The only downside to comparing rates this way is you don’t know exactly which providers to receive prices from. So if you prefer to choose specific providers to compare rates, we have a listing of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, compare apples-to-apples coverage information on every price quote you get. If you use mixed coverages you will not be able to determine the lowest rate for your Chevy Astro. Slightly different insurance coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that comparing more rates from different companies increases the change that you will find more affordable insurance. Some smaller insurers to not give online price quotes, so it’s important to compare rates from the smaller companies as well.

Get lower-cost insurance with discounts

Companies don’t always publicize all possible discounts in a way that’s easy to find, so below is a list a few of the more common and also the lesser-known credits available to lower your premiums when you buy insurance online.

  • Multiple Policy Discount – If you insure your home and vehicles with one company you could earn a discount of 10% to 20% off each policy.
  • Telematics Devices – Policyholders that allow data collection to track their driving habits remotely such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.
  • Good Grades Discount – A discount for being a good student may save as much as 25% on a insurance quote. The discount lasts well after school through age 25.
  • Discount for New Cars – Putting insurance coverage on a new car can save you some money since newer vehicles have better safety ratings.
  • Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction for Astro coverage with certain companies.
  • Claim Free – Drivers with accident-free driving histories pay much less in comparison with frequent claim filers.
  • Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Service Members Pay Less – Being on active deployment in the military may lower your premium rates slightly.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

To locate insurance companies that have a full spectrum of discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Can my teen drive my company car?
  • What can I do if my company won’t pay a claim?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I sign the liability waiver when renting a car?
  • Does my insurance cover my expensive audio equipment?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

The coverage is in the details

Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for expenses for prosthetic devices, EMT expenses, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Astro.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

Collision coverage will pay to fix damage to your Astro resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, backing into a parked car, scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things such as medical expenses, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Spend less. Save more.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.

Cheaper insurance coverage is available on the web as well as from insurance agents, so you need to quote insurance with both so you have a total pricing picture. A few companies do not offer online quoting and many times these regional carriers sell through local independent agencies.

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