Lower Your 2000 Chevrolet Astro Insurance Quotes

Locating cheaper insurance for a Chevy Astro can be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the absolute fastest way to quote coverages on a Chevy and obtain the lowest price.

Shop car insurance online

Performing a rate comparison can be a lot of work if you don’t know the most efficient way to do it. You can waste hours driving to insurance companies in your area, or you can utilize the internet to get rates in a matter of minutes.

Many insurance companies participate in a marketplace that allows shoppers to submit one quote, and each participating company then gives them pricing based on that data. This prevents consumers from doing quote forms to every company.

To use this form to compare rates click to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which companies to get pricing from. So if you prefer to pick from a list of companies to request quotes from, we have a page of car insurance companies in your area. Click to view list.

How you compare quotes is your choice, just make sure you compare equivalent quote data with each company. If each company quotes different data it will be nearly impossible to decipher which rate is best.

Double check you’re getting these discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that can help lower your rates. Some discounts apply automatically when you complete an application, but a few must be requested specifically before you get the savings.

• Online Discount – A few larger online companies will give you a small discount for buying your policy on their website.
• Policy Bundle Discount – If you can bundle your auto and homeowners insurance with the same insurance company you may earn approximately 10% to 15%.
• Active Military Service – Being deployed with a military unit could qualify you for better prices.
• Claim Free – Claim-free drivers have much lower rates in comparison to accident-prone drivers.
• Braking Control Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.
• Discount for Life Insurance – Larger insurance carriers have a break if you buy life insurance.
• Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
• Safe Driver Discount – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote on Astro coverage as compared to drivers with claims.
• Passenger Safety Discount – Options like air bags or automatic seat belts may get savings of up to 25% or more.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So even though you would think you could get a free insurance policy, insurance companies aren’t that generous.

To see insurers that offer the discounts shown above, click here.

Special considerations

When choosing the best insurance coverage coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions might help in determining if you would benefit from professional advice.

• Do I need PIP coverage since I have good health insurance?
• Can I get a multi-policy discount?
• Does medical payments coverage apply to all occupants?
• Will I lose any money if I cancel my policy before it expires?
• Do I benefit by insuring my home with the same company?
• Am I covered if my car is in a flood?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I rate my 2000 Chevy Astro as pleasure use or commute?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Having a good grasp of a auto insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like doctor visits, EMT expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

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 policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as repair costs for stationary objects, pain and suffering, medical services, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision – This covers damage to your Astro from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, hitting a mailbox, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, vandalism, theft and hail damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.