1993 Chevrolet Astro Cargo Insurance Quotes – 10 Discounts for Best Rates

Trying to find better auto insurance rates for your Chevrolet Astro Cargo? Overpriced Chevrolet Astro Cargo insurance can overdraw your accounts and make it tough to pay other bills. Price shopping at each renewal is an excellent way to reduce premiums and put more money in your pocket.

Online insurance companies like GEICO, Progressive and Allstate persitently shower you with TV and radio ads and consumers find it hard to see through the deception and do the work needed to find the best deal.

It’s important to price shop coverage on a regular basis because auto insurance rates are constantly changing. Even if you think you had the lowest premium rates for Astro Cargo coverage a couple years back the chances are good that you can find a lower price today. You can find a lot of wrong information about auto insurance on the internet, but I’m going to show you some proven techniques to find cheap auto insurance.

If you are insured now or are looking for a new policy, you can use this information to reduce the price you pay while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to understand the proper methods to compare rates online.

How to find low cost insurance

There are a variety of methods to compare insurance quotes, and some are easier and takes less work. You can waste hours talking to insurance agencies in your area, or you can utilize the web to get pricing more quickly.

Most of the best insurance companies belong to a marketplace that enables customers to submit one quote, and at least one company then returns a price quote based on that data. This prevents consumers from doing form submissions to each individual insurance company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose the companies you will receive quotes from. So if you want to select specific insurance companies to compare prices, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you compare equivalent coverages and limits for every quote you compare. If each company quotes different data it will be very difficult to determine which rate is truly the best.

Do I just need basic coverages?

When buying the best insurance coverage, there is no one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Does coverage extend to my business vehicle?
  • Am I covered when using my vehicle for business?
  • Who is covered when they drive my 1993 Chevy Astro Cargo?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is covered by UM/UIM coverage?
  • Why am I required to buy liability insurance?
  • Is my 1993 Chevy Astro Cargo covered for flood damage?
  • What if I total my 1993 Chevy Astro Cargo and owe more than it’s worth?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, driving through your garage door, rolling your car, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, dental work, funeral costs, doctor visits and surgery. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Astro Cargo.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive auto insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, hail damage, theft, hitting a bird and a tree branch falling on your vehicle. The most 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.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as repair costs for stationary objects, medical expenses and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.