Lower Your 1999 Chevrolet Astro Car Insurance Quotes

Searching for cheaper insurance coverage rates for your Chevrolet Astro? I can’t think of a single person who looks forward to paying for insurance coverage, in particular when the prices are way too high.

Due to the increasing number of choices of insurance companies, it can be impossible to choose the best company.

Consumers need to shop coverage around at least once a year because insurance coverage prices change regularly. Just because you had the lowest price on Astro insurance on your last policy you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to learn the best way to reduce your cost while increasing coverage.

The best way we recommend to get rate comparisons is to know the fact most larger insurance companies pay for the opportunity to quote your coverage. All you need to do is give the companies some data like distance driven, your general credit rating, any included safety features, and the year, make and model of vehicles. Your details gets sent immediately to insurance companies and you should receive rate quotes with very little delay.

If you would like to start a quote now, click here and enter your coverage details.

Insurance policy discounts you can’t miss

Car insurance companies do not advertise every discount they offer in a way that’s easy to find, so we researched both the well known as well as the least known discounts that you can inquire about if you buy insurance online.

  • Theft Deterent System – Cars with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% on medical payment and PIP coverage.
  • Claim Free – Insureds who avoid accidents and claims can save substantially when compared to bad drivers.
  • Bundled Policy Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find inexpensive insurance.
  • One Accident Forgiven – Not a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident without raising rates if you are claim-free prior to being involved in the accident.

Remember that most credits do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

The best insurance companies and the discounts they provide can be found below.

  • Progressive discounts include multi-vehicle, multi-policy, good student, homeowner, online quote discount, and continuous coverage.
  • AAA may include discounts for multi-policy, good student, pay-in-full, anti-theft, good driver, and multi-car.
  • Farmers Insurance offers discounts for pay in full, electronic funds transfer, early shopping, good student, mature driver, business and professional, and distant student.
  • GEICO may offer discounts for good student, multi-policy, seat belt use, multi-vehicle, and five-year accident-free.
  • Esurance offers discounts including multi-policy, online shopper, defensive driver, anti-lock brakes, and multi-car.
  • SAFECO has savings for anti-theft, teen safe driver, bundle discounts, teen safety rewards, and anti-lock brakes.
  • State Farm may have discounts that include Drive Safe & Save, student away at school, passive restraint, multiple autos, and good student.

If you need lower rates, check with each company which credits you are entitled to. Some credits may not apply to policyholders in your area. If you would like to view providers that can offer you the previously mentioned discounts, click here to view.

Informed consumers save more

Smart consumers have a good feel for the factors that aid in calculating your premiums. When you understand what influences your rates, this helps enable you to make changes that could help you find lower premium levels. Many different elements are considered when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other factors are more transparent like where you live or how safe your car is.

The factors shown below are some of the major factors used by insurance companies to determine rates.

  • Tickets mean higher costs – Careful drivers have lower premiums than people who have multiple driving citations. Having a single chargable violation can bump up the cost to the point where it’s not affordable. Drivers who have gotten dangerous violations such as hit and run, DWI or reckless driving convictions are required to prove financial responsibility with their state’s licensing department in order to prevent a license revocation.
  • Do you have enough liability coverage? – Your insurance coverage policy’s liability coverage kicks in if you are determined to be liable for damages from an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Gaps in coverage mean higher premiums – Driving your car without having proper coverage is a big no-no and any future policy may cost more because you let your insurance lapse. Not only will you pay more, the inability to provide proof of insurance will get you a license revocation or jail time.
  • Save money with good credit – Having a bad credit score is a large factor in determining your rates. People that have high credit scores tend to be more responsible than drivers with lower ratings. If your credit can be improved, you could pay less to insure your 1999 Chevrolet Astro by repairing your credit.
  • Certain jobs pay higher rates – Jobs such as fire fighters, social workers and accountants tend to have higher rates than the rest of us in part from intense work-related stress and lots of time spent at work. On the flip side, jobs such as professors, athletes and performers pay the least on Astro insurance.
  • Alarm systems lower insurance coverage rates – Selecting a car model that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Safer vehicles cost less to insure – Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles protect occupants better and reduced instances of injuries means less claims paid and lower rates for you. If your Chevy is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Insurance agents can help

When choosing the right insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover if your situation might need professional guidance.

  • Is my custom paint covered by insurance?
  • Is my cargo covered for damage or theft?
  • How can I find cheaper teen driver insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Can I still get insurance after a DUI?
  • Do I pay less if my vehicle is kept in my garage?
  • How much liability do I need to cover my assets?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Ads can be misleading

Respected companies like Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all make an identical promise that drivers can save some big amount if you change to them. How does each company claim to save you money? It’s all in the wording.

Insurance companies have specific characteristics for a prospective insured that will be a good risk. An example of a desirable insured might have to be between 25 and 40, has no claims, and drives a safe vehicle. A driver that hits that “sweet spot” will probably get the lowest premium rates and will most likely save some money.

Consumers who don’t measure up to the “perfect” profile will get a more expensive rate and ends up with business not being written. The wording the ads use say “customers who switch” but not “all drivers who get quotes” save that much money. This is how insurance companies can claim big savings. Because of the profiling, it’s extremely important to quote coverage with many companies. It is impossible to guess which company will have the best car insurance rates at this point in time.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, vandalism and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like doctor visits, funeral costs, dental work and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 1999 Chevy Astro.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability – This coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, attorney fees and legal defense fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Collision – This covers damage to your Astro resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Quote often and quote early

Cheaper insurance coverage can be sourced both online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies don’t offer online rate quotes and usually these small insurance companies prefer to sell through independent agents.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

Much more information about insurance coverage can be read at these links: