2001 Chevrolet Astro Car Insurance Quotes – 9 Discounts for Best Rates

Paying for expensive Chevrolet Astro insurance can sap your family’s budget and possibly require postponing other expenditures. Doing a rate comparison is free and is an excellent way to slash your bill and have more diposable income.

Drivers have so many insurers to buy insurance from, and though it is a good thing to have a choice, more options can take longer to compare rates and cut insurance costs.

This article will familiarize you with how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Consumers just need to learn the most efficient way to buy auto insurance online.

How to shop auto insurance online

The majority of larger companies like 21st Century, Allstate and State Farm allow you to get insurance quotes directly from their websites. This process doesn’t take much effort as you just enter the coverage amounts you desire into the form. After you submit the form their rating system will order your driving and credit reports and returns a price determined by many factors. Being able to quote online makes it a lot easier to compare rates but the time required to go to a lot of sites and type in the same information can be a bit repetitive. But it is imperative to do this if you want to find the lowest price.

An easier way to find better auto insurance pricing uses one form to get prices from more than one company. The form is fast, eliminates repetitive work, and makes comparison shopping a lot less work. Immediately after submitting the form, it gets priced and you can select any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To quickly get comparison pricing now, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you type in your coverages exactly as they are listed on your policy. This helps ensure you will be getting an apples-to-apples comparison using the same coverage and limits.

Lower your insurance rates with these nine discounts

Some insurance providers don’t list all possible discounts very well, so the following list contains a few of the more common and also the lesser-known savings tricks you should be using when you buy insurance online.

  • Government Employee Discount – Federal government employees could qualify for a slight premium decrease for Astro coverage but check with your company.
  • Military Discounts – Being on active deployment in the military can result in better insurance rates.
  • Good Student Discount – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Student Driver Training – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • College Student – Children who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
  • Senior Citizen Rates – Seniors may receive a small decrease in premiums for Astro coverage.
  • Telematics Data – Insureds that choose to allow driving data submission to scrutinize where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as the data is positive.

Consumers should know that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

Larger insurance companies and some of the discounts are shown below.

  • State Farm may have discounts that include Drive Safe & Save, good driver, multiple autos, good student, Steer Clear safe driver discount, safe vehicle, and multiple policy.
  • Farmers Insurance includes discounts for pay in full, multi-car, youthful driver, homeowner, mature driver, good student, and switch companies.
  • Progressive has discounts for multi-policy, homeowner, good student, online quote discount, multi-vehicle, continuous coverage, and online signing.
  • GEICO offers discounts including anti-theft, anti-lock brakes, multi-vehicle, seat belt use, daytime running lights, membership and employees, and five-year accident-free.
  • Auto-Owners Insurance discounts include paperless, multiple vehicles, company car, mature driver, safe driver, group or association, and anti-theft.
  • The Hartford offers premium reductions for vehicle fuel type, bundle, anti-theft, air bag, defensive driver, and driver training.
  • Farm Bureau offers discounts for multi-vehicle, youthful driver, good student, driver training, and multi-policy.
  • USAA policyholders can earn discounts including military installation, loyalty savings, multi-policy, annual mileage, and new vehicle.

When comparing rates, check with every insurance company the best way to save money. Some discounts may not be available in your area. To find insurance companies with discount rates, click here to view.

You are unique and your car insurance should be too

When choosing coverage, there really is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Is my cargo covered for damage or theft?
  • When can my company non-renew my policy?
  • Does medical payments coverage apply to all occupants?
  • Is business equipment covered while in my vehicle?
  • What is PIP insurance?
  • Should I get collision insurance on every vehicle?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Specific coverages for a 2001 Chevy Astro

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Chevy Astro.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for EMT expenses, dental work, nursing services and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This covers damage to your Astro caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverages – This can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles, medical services, pain and suffering and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, a broken windshield, damage from flooding and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Take this to the bank

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

A few companies do not offer the ability to get a quote online and these regional insurance providers sell through local independent agents. The cheapest 2001 Chevy Astro insurance can be bought from both online companies as well as from insurance agents, so you need to compare both so you have a total pricing picture.

We just presented a lot of techniques to compare 2001 Chevy Astro insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable insurance. You may be surprised to find that the lowest premium rates are with a smaller regional carrier. These companies may have significantly lower prices on certain market segments than their larger competitors like Allstate or State Farm.

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