Lower Your 1991 Chevrolet Astro Insurance Rates

Searching for better insurance coverage rates for your Chevrolet Astro? Locating better insurance prices for a Chevy Astro can turn out to be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to find insurance coverage online so you’re going to learn the best way to get price quotes on a Chevy and obtain the lowest price from both online companies and local agents.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Some discounts apply automatically at the time of quoting, but a few must be manually applied before they will apply. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for Astro coverage depending on your company.
  • Auto/Home Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Astro coverage.

Drivers should understand that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

For a list of companies with the best insurance discounts, click here to view.

How to Compare Insurance Costs

Effectively comparing insurance prices can be exhausting if you don’t understand the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many of the larger companies take part in a program where prospective buyers complete one form, and each participating company can give them a price based on the submitted data. This eliminates the need for repetitive form submissions for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to using this type of form is buyers cannot specifically choose which carriers you want to price. If you prefer to choose specific providers to receive pricing from, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but compare identical deductibles and coverage limits for each price quote. If each company quotes higher or lower deductibles it will be very difficult to find the best deal for your Chevy Astro.

Why you might be paying too much to insure your Chevy Astro

It’s important that you understand the different types of things that go into determining the price you pay for insurance. Having a good understanding of what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Car features impact rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Tickets mean higher rates – Careful drivers get better rates compared to drivers with tickets. Even one speeding ticket can boost insurance rates by as much as thirty percent. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Policy add-ons can waste money – There are many add-on coverages you can purchase on your Astro policy. Coverages for personal injury protection, better glass coverage and additional equipment coverage may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
  • Never allow your policy to lapse – Allowing your insurance policy to lapse is a guaranteed way to increase your insurance rates. And not only will your rates increase, but being ticketed for driving with no insurance can result in a license revocation or jail time.
  • Rural vs Urban Areas – Living in less populated areas can be a good thing when talking about insurance. City drivers have to deal with much more traffic and longer commute times. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • How many coverages with the same company – Most insurance companies provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to make sure you are getting the best deal.

When might I need help?

When buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Are split liability limits better than a combined single limit?
  • When does my teenage driver need to be added to my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • What exactly is covered by my policy?
  • Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Buyer beware of auto insurance advertising tricks

Drivers can’t get away from ads that promise big savings from the likes of State Farm and Allstate. All the ads say the same thing that you’ll save big if you change your coverage to them.

How do they all say the same thing?

All companies are able to cherry pick for the type of driver that makes them money. An example of a driver they prefer could be a mature driver, has no tickets, and drives less than 10,000 miles a year. A driver who fits that profile gets the lowest rates and as a result will probably save when switching.

Consumers who do not match the requirements will be quoted more money and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently claim big savings.

This emphasizes why you need to get as many quotes as possible. It’s impossible to know which insurance companies will give you the biggest savings on Chevy Astro insurance.

Specific coverages for a 1991 Chevy Astro

Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – This coverage protects you from damage or injury you incur to people or other property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like emergency aid, court costs and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Astro.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Collision coverages – This coverage covers damage to your Astro resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, crashing into a ditch, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for hospital visits, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Online plus local equals savings

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured cut liability limits or collision coverage only to find out that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

You just read some good ideas how to reduce 1991 Chevy Astro insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with a lesser-known regional company.

Low-cost insurance can be sourced both online as well as from independent agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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