1993 Chevrolet Astro Car Insurance Cost

Looking for better insurance coverage rates for your Chevrolet Astro? Having to pay for overpriced Chevrolet Astro insurance can overdraw your savings account and put the squeeze on your family’s finances. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

You have so many insurance companies to buy insurance from, and although it’s nice to be able to choose, so many choices can make it hard to compare rates and cut insurance costs.

It’s smart to compare rates before your policy renews because rates change regularly. If you had the lowest price for Astro insurance on your last policy you can probably find a better price now. You can find a lot of wrong information about insurance coverage on the internet, so by reading this article, you’re going to learn some solid techniques on how to find affordable insurance coverage.

How to Get Car Insurance Comparison Quotes

When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The recommended way to find the cheapest 1993 Chevy Astro insurance rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

The first (and easiest) way to find low rates is a comparison rater form (click to open form in new window). This form eliminates the need for multiple quote forms for every car insurance company. One form submission gets you price quotes from car insurance companies with the best prices.

Another way to analyze rates is to manually visit each company website to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from Farmers, Safeco and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

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

The most time-consuming way to compare rates is to drive around to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional advice of a licensed agent. However, consumers can compare the best prices online and still use a local agent and we’ll touch on that later.

Whichever method you choose, make absolute certain that you use exactly the same coverage information with each company. If you enter different deductibles it will be impossible to truly determine the lowest rate. Slightly different insurance coverages may result in large price differences. And when quoting car insurance, remember that obtaining a wide range of quotes will enable you to find the best price.

Cut your premium with discounts

Companies don’t always publicize all their discounts in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known ways to save on car insurance.

Driver Safety – Completing a defensive driving course could save 5% or more if you qualify.
Military Rewards – Having a deployed family member may qualify for rate reductions.
55 and Retired – Mature drivers can possibly qualify for better car insurance rates for Astro insurance.
Driver’s Ed – Have your child take driver’s ed class if offered at their school.
Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
Government Employees – Being employed by or retired from a federal job can save as much as 8% for Astro insurance with certain companies.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck.

Insurance companies that may offer these money-saving discounts include:

Check with every prospective company what discounts are available to you. Discounts may not be available in every state.

What is the best insurance coverage?

When it comes to buying the best car insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you might need professional guidance.

If my 1993 Chevy Astro is totaled, can I afford another vehicle?
Can I drive in Mexico and have coverage?
What should my uninsured motorist coverage limits be in my state?
What is covered by UM/UIM coverage?
Can I rate high risk drivers on liability-only vehicles?
Am I covered if I drive in a foreign country?
Is upholstery damage covered by car insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage options for a 1993 Chevy Astro

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, crashing into a building, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Astro.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like funeral costs, surgery and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage will 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 your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as pain and suffering, loss of income, repair costs for stationary objects and funeral expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.