Chevrolet Chevrolet Astro Insurance Rates
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UPDATED: Feb 26, 2020
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Want better insurance rates for your Chevrolet Astro? Purchasing low-cost insurance over the internet can seem to be problematic for consumers not familiar with comparing rates online. Because there are so many online companies available, how can you effectively compare every one to find the lowest price available?
The purpose of this post is to teach you the best way to quote coverages and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Although car owners must know the way companies market insurance on the web and use this information to your advantage.
Compare Auto Insurance Today
When shopping for auto insurance there are multiple ways of comparing price quotes from different insurance companies. The simplest method to find the lowest 1997 Chevy Astro rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.
The recommended way to find low rates is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating separate forms for every auto insurance company. One quote request gets you price quotes from multiple companies. Just one form and you’re done.
A more time consuming way to obtain and compare quotes online is spending the time to visit each company website and request a quote. For example, we’ll pretend you want rates from State Farm, Safeco and Travelers. To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
It’s your choice how you get your quotes, but ensure you’re using exactly the same coverage limits on every quote you get. If you use different limits and deductibles on each one you will not be able to find the best deal for your Chevy Astro. Quoting even small variations in coverages can make a big difference in price. And when comparing auto insurance rates, know that comparing a large number of companies provides better odds of finding a lower rate.
Auto insurance ads bend the truth
Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on television and other media. They all seem to make an identical promise of big savings if you move to them. But how can every company say the same thing?
Insurance companies have a preferred profile for the right customer they prefer to insure. An example of a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and has great credit. A propective insured who matches those parameters gets the lowest rates and as a result will probably cut their rates substantially.
Drivers who fall outside the requirements will have to pay higher rates which leads to the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do.
Because of the profiling, you need to get as many quotes as possible. It’s not possible to predict the company that will fit your personal profile best.
Pieces of the Chevy Astro insurance rate puzzle
Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.
The list below includes some of the items that factor into rates.
- Never go without insurance – Driving with no insurance is against the law and car insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage will get you a revoked license or a big fine.
- Pleasure use or commuting – The more miles you rack up on your Chevy each year the more you will pay for car insurance. Almost all companies apply a rate determined by how the vehicle is used. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Having the wrong rating on your Astro may be wasting your money. Double check that your car insurance policy is showing how each vehicle is driven.
- Better credit means lower rates – Having a bad credit history is a large factor in determining what you pay for car insurance. If your credit history is not that good, you could save money insuring your 1997 Chevrolet Astro by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than those with lower credit scores.
- Safe vehicles cost less to insure – Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and lower injury rates means less money paid by your insurance company and thus lower rates. If your Chevy Astro is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
- A clean driving record saves money – Your driving record impacts your car insurance rates tremendously. Careful drivers receive lower rates than people who have multiple driving citations. Even a single ticket can boost insurance rates forty percent or more. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
- Being married can save on car insurance – Being married actually saves money on your car insurance policy. Marriage translates into being more responsible and statistics show married couples file fewer claims.
- Add-on coverages can add up – There are a ton of extra coverages that you can buy on your Astro policy. Insurance for rental car reimbursement, towing coverage and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
Pay less for 1997 Chevy Astro insurance
The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but a few need to be inquired about prior to getting the savings.
- Discount for Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
- Homeowners Pay Less – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
- No Claims – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
- Student in College – Children who are attending college and do not have a car may qualify for this discount.
- Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
- Memberships – Being a member of certain professional organizations could trigger savings on your policy on Astro coverage.
- Student Driver Training – Have your child enroll in driver’s education in school.
- Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
Keep in mind that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.
For a list of companies with discount insurance rates, click here to view.
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Tailor your coverage to you
When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Every situation is different.
These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.
- Do I need replacement cost coverage on my 1997 Chevy Astro?
- When should my teen driver be added to my policy?
- Am I covered if I hit a deer?
- Is my camper covered by my car insurance policy?
- Do I really need UM/UIM coverage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Should I buy only the required minimum liability coverage?
- What if I total my 1997 Chevy Astro and owe more than it’s worth?
- Am I better off with higher deductibles on my 1997 Chevy Astro?
- Is my ex-spouse still covered by my policy?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.
Specific coverages for a 1997 Chevy Astro
Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Comprehensive coverages – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as hitting a deer, hitting a bird and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Astro.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Collision coverage – This will pay to fix damage to your Astro caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like hitting a parking meter, colliding with another moving vehicle, scraping a guard rail, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, prosthetic devices, nursing services and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Liability coverages – This will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
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 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as legal defense fees, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.
A fool and his money are soon parted
You just learned a lot of tips how to compare 1997 Chevy Astro insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.
Drivers change insurance companies for many reasons like high prices, denial of a claim, not issuing a premium refund and poor customer service. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.
Cost effective insurance is possible both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
Additional detailed information can be read in these articles:
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Child Safety FAQ (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- Auto Crash Statistics (Insurance Information Insitute)
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