Compare 1998 Chevrolet Astro Car Insurance Rates

Nobody looks forward to paying premiums for car insurance, in particular when they could find better prices if they shop around. Companies like State Farm, Geico and Farmers Insurance continually hit you with advertising and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

It’s a good idea to compare rates once or twice a year since prices change frequently. Just because you found the best price for Astro coverage on your last policy you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to find out how to use the internet to buy cheaper car insurance.

How to lower your insurance cost

There are multiple methods to compare insurance quotes, but there is one way that is easier and takes less work. You can waste a lot of time driving to insurance agencies in your area, or you could save time and use online quotes to maximize your effort.

Most major companies participate in a marketplace where insurance shoppers enter their policy data once, and at least one company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions to every company.

To find out how much you’re overpaying now click here to start a free quote.

The one downside to using this type of form is that you can’t choose the providers you want pricing from. So if you want to choose from a list of companies to compare rates, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just try to keep apples-to-apples deductibles and coverage limits with each company. If you are comparing differing limits it will be very difficult to decipher which rate is best.

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Discounts for cheap insurance quotes

Not too many consumers would say insurance is affordable, but you may be missing some discounts that you may not even be aware of. Some discounts will apply when you purchase, but less common discounts must be inquired about prior to receiving the credit. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

• Military Discounts – Being on active deployment in the military could trigger a small discount.
• Discount for Swiching Early – A few insurance companies offer discounts for switching to them before your current policy expires. The savings is around 10%.
• Telematics Devices – Insureds who allow their insurance company to analyze when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• Drive Less and Save – Driving less could be rewarded with cheaper insurancerates.
• Homeowners Savings – Owning a home may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
• Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts can save a little off the personal injury premium cost.
• Clubs and Organizations – Being in certain professional organizations could trigger savings on your next insurance statement.
• Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you may reduce your total bill.
• Smart Student Discounts – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Claim-Free Discount – Claim-free drivers can earn big discounts in comparison to frequent claim filers.

You can save money using discounts, but most discounts do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

A list of insurance companies and some of their more popular discounts can be found below.

• Geico has savings for multi-vehicle, defensive driver, multi-policy, driver training, federal employee, and emergency military deployment.
• Auto-Owners Insurance discounts include anti-theft, paperless, air bags, mature driver, company car, and multiple vehicles.
• American Family has discounts for accident-free, air bags, defensive driver, good driver, good student, and early bird.
• Esurance policyholders can earn discounts including emergency road assistance, anti-theft, anti-lock brakes, DriveSense, renters, and good student.
• Progressive offers discounts for online quote discount, online signing, continuous coverage, good student, and homeowner.
• State Farm may offer discounts for good student, good driver, Drive Safe & Save, defensive driving training, multiple autos, passive restraint, and safe vehicle.
• AAA includes discounts for multi-car, AAA membership discount, anti-theft, multi-policy, pay-in-full, education and occupation, and good driver.

If you need lower rates, check with every prospective company the best way to save money. All car insurance discounts might not be offered on policies in your state.

What affects Chevy Astro insurance prices?

Multiple criteria are taken into consideration when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are less obvious such as your credit history or your commute time.When buying car insurance it’s important to understand the different types of things that help calculate your premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in lower premium levels.

• Defend yourself with liability insurance – The liability section of your policy is the protection if a court rules you are at fault for causing personal injury or damage in an accident. Liability provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
• A policy lapse can increase rates – Having a lapse in insurance coverage is a sure-fire way to drive up your policy premiums. Not only will you pay more, the inability to provide proof of insurance might get you a hefty fine and possibly a revoked license.
• What are your deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. A few examples of covered claims are a windshield shattered by a rock, vandalism, or theft. Your deductibles tell how much you are required to pay if a covered claim is submitted. The more you’re willing to pay, the less money you will pay for car insurance for Astro coverage.
• File a claims and pay more – Auto insurance companies generally give the best rates to people who are not frequent claim filers. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Small coverages can add up – Policies have add-on coverages that you can buy if you don’t pay attention. Insurance for things like coverage for rental cars, accidental death, and term life insurance are examples of these. They may seem good when buying your policy, but your needs may have changed so eliminate the coverages to reduce your premium.

You may need specialized auto insurance coverage

When buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover if you might need an agent’s assistance.

• What are the best liability limits?
• What happens if I owe more than my 1998 Chevy Astro is worth?
• I don’t drive much so do I pay less?
• Does car insurance cover theft of personal property?
• What companies insure drivers after a DUI or DWI?
• Do I have newly-aquired coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

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Insurance coverage buyers beware

Consumers can’t get away from ads for the lowest price insurance coverage by State Farm and Allstate. All the companies make the same claim that drivers can save some big amount if you get a free insurance coverage quote and switch your insurance coverage policy to them.

How does every insurance coverage company claim to save you money? You have to listen carefully.

Companies quote their best rates for a prospective insured that makes them money. An example of a driver they prefer might have to be between the ages of 30 and 45, carries full coverage, and has a high credit rating. A propective insured who matches that profile receives the best rates and most likely will save when they switch companies.

Consumers who cannot meet the requirements will probably have to pay a higher rate with the end result being the customer buying from someone else. The ads state “people who switch” but not “all drivers who get quotes” save that much when switching. That is how companies can truthfully make claims that they all have the best premium rates. This really illustrates why you should get as many free insurance coverage quotes as possible. It’s not possible to predict the company that will be your best fit.

Car insurance policy specifics

Having a good grasp of your car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.

Collision coverage – This pays for damage to your Astro resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as hospital visits, chiropractic care, ambulance fees, surgery and pain medications. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, hitting a deer and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy Astro.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage – This coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, funeral expenses, pain and suffering, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.

Don’t break the bank

Lower-priced 1998 Chevy Astro insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer the ability to get quotes online and usually these small, regional companies sell through independent agents.

We just presented many ideas to compare 1998 Chevy Astro insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

To learn more, link through to the following helpful articles:

• Older Driver Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)

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