How Much Does 2003 Chevrolet Astro Insurance Cost?

Want the cheapest auto insurance rates for your Chevrolet Astro? Tired of sacrificing each month for auto insurance? You’re in the same situation as many other drivers.

Insurance companies such as Allstate and Progressive persitently shower you with ad campaigns and it is difficult to see past the corporate glitz and take the time to shop coverage around.

Car insurance companies offer money-saving discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that can dramatically reduce your bill. Certain reductions will be credited when you quote, but once in a while a discount must be asked for before they will apply.

  • Discount for Swiching Early – Some car insurance companies give discounts for signing up before your current expiration date. You may see this discount when you get insurance quotes online.
  • Military Rewards – Being deployed in the military could be rewarded with lower car insurance rates.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in school.
  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
  • Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you may reduce your total bill.
  • Paperless Signup – Certain insurance companies will discount your bill up to fifty bucks simply for signing on the internet.
  • Student in College – Kids who are attending college and do not take a car to college can be insured at a reduced rate.
  • Telematics Devices – Drivers who elect to allow driving data collection to spy on driving patterns by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they exhibit good driving behavior.
  • Discount for Low Mileage – Driving fewer miles could be rewarded with lower car insurancerates due to less chance of an accident.
  • Multiple Vehicles – Insuring multiple vehicles with one company could earn a price break for each car.

We need to note that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works.

Companies that may offer policyholders some of the above discounts are:

Before purchasing a policy, check with every prospective company which credits you are entitled to. Discounts may not apply to policyholders in your area.

Compare quotes for insurance

To get cheaper insurance quotes, there a variety of ways to compare quotes from different companies. The simplest method to find the lowest 2003 Chevy Astro rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. The best way to get the best comparison quotes is a comparison rater form (click to open form in new window). This easy form prevents you from having to do a different quote for every insurance company. Completing one form gets you coverage quotes from all major companies.
  2. A harder way to find lower rates requires visiting each company’s website and request a quote. For example, we’ll pretend you want to get rates from Progressive, Allstate and Farmers. To get each rate you have to navigate to each company’s site and type in your information over and over, which can take a lot of time.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but do your best to enter apples-to-apples quote data for every quote you compare. If you are comparing different coverage information then you won’t be able to determine which rate is truly the best. Having just a slight variation in limits may cause a big price difference. And when comparing insurance rates, know that comparing more company’s prices helps you find the best offered rates. Some smaller insurers to not give price estimates online, so you also need to get quotes from them, too.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • Is my cargo covered for damage or theft?
  • Is my 2003 Chevy Astro covered for flood damage?
  • How much can I save by bundling my policies?
  • Exactly who is provided coverage by my policy?
  • Am I covered when driving a rental car?
  • How many claims can I have before being cancelled?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Coverage specifics

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.

Auto liability

This coverage can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like attorney fees, bail bonds, court costs and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Chevy Astro.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as prosthetic devices, funeral costs, rehabilitation expenses, nursing services and pain medications. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your Astro caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, crashing into a building, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Best coverage at the best price

You just read a lot of ways to get a better price on 2003 Chevy Astro insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the best auto insurance rates are with a small mutual company. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best cost while still protecting your assets.

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