Save on 1999 Chevrolet Astro Cargo Insurance Rates

Getting cheaper auto insurance on the web is rather difficult for consumers who are new to shopping for insurance on the web. With so many insurance agents and online companies available, how can you even start to compare each option to find the cheapest available price?

Car insurance rates and discounts

Car insurance is not cheap, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be specially asked for before they will apply.

  • Drive Less and Save – Maintaining low annual mileage can earn lower car insurancerates on the low mileage vehicles.
  • Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% for Astro Cargo coverage with select insurance companies.
  • Early Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
  • No Claim Discounts – Insureds with no claims or accidents pay much less compared to drivers with a long claim history.
  • Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may get savings of 20 to 30 percent.

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, you’re out of luck.

Popular car insurance companies and a selection of discounts are detailed below.

  • AAA offers premium reductions for multi-policy, good driver, AAA membership discount, good student, anti-theft, education and occupation, and pay-in-full.
  • Progressive policyholders can earn discounts including homeowner, good student, online signing, multi-vehicle, and continuous coverage.
  • State Farm offers discounts for accident-free, multiple policy, Steer Clear safe driver discount, defensive driving training, and good student.
  • Esurance includes discounts for multi-policy, good driver, anti-theft, Switch & Save, renters, and claim free.
  • Nationwide discounts include business or organization, good student, multi-policy, easy pay, and accident-free.

When getting free car insurance quotes, it’s a good idea to all companies you are considering how you can save money. All car insurance discounts may not be offered in your area.

Situations that may require an agent’s advice

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Why is insurance for a teen driver so high?
  • When should I buy a commercial auto policy?
  • Can I afford to buy a different vehicle if my 1999 Chevy Astro Cargo is totaled?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How do I file an SR-22 for a DUI in my state?
  • Can I drive in Mexico and have coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance companies are expert advertisers

Companies like Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. They all have a common claim about how much you will save just by moving to them. It sounds good, but how can they all make almost identical claims? This is how they do it.

Companies have a certain “appetite” for the type of customer that earns them a profit. An example of a profitable customer might have to be over the age of 50, has few claims, and does not commute to work. A propective insured that meets those criteria will probably get the lowest auto insurance rates and will cut their rates substantially.

Drivers who don’t qualify for this ideal profile may be forced to pay higher premium rates which results in the customer buying from a different company. If you pay attention, the ads say “drivers who switch” not “all people who quote” will save that much if they switch. That’s the way companies can make it sound like they have such great auto insurance rates. This illustrates why you absolutely need to do a quote comparison often. Because without a comparison, you cannot know which insurance companies will have the lowest rates for your situation.

Coverages available on your insurance policy

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Astro Cargo.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

This coverage will pay to fix damage to your Astro Cargo resulting from a collision with another vehicle or an object, but not an animal. 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 backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, falling objects and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills for dental work, surgery, rehabilitation expenses, doctor visits and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as court costs, attorney fees, emergency aid, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

A penny earned…

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big mistake. Your goal is to purchase a proper amount of coverage at the best possible price while still protecting your assets.

Throughout this article, we presented some good ideas how you can compare 1999 Chevy Astro Cargo insurance premium rates online. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheaper car insurance. Consumers may even find the lowest priced insurance coverage comes from a smaller regional carrier.

Affordable 1999 Chevy Astro Cargo insurance can be purchased both online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not offer price quotes online and usually these smaller providers work with independent agents.

For more information, link through to the resources below: