1994 Chevrolet Astro Insurance Quotes – 5 Tips to Save

Want cheaper insurance rates for your Chevrolet Astro? No one in their right mind looks forward to paying for insurance, particularly when their premiums are too high.

Because there are so many companies and agents to choose from, it can be diffult for consumers to choose the cheapest car insurance company.

It’s a great practice to check insurance prices on a regular basis because insurance rates go up and down regularly. Just because you found the best price on Astro insurance two years ago a different company probably has better rates today. Ignore everything you know about insurance because we’re going to demonstrate how to use online quotes to reduce your cost while improving coverage.

Compare Insurance Coverage Costs

There are multiple methods to shop for 1994 Chevy Astro insurance coverage, but there is one way that is less time-consuming than others. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the best insurance companies enroll in a system where insurance shoppers send in one quote, and at least one company then returns a price quote based on that data. This prevents consumers from doing quote requests to every company.

To find out how much you can save on insurance coverage click here to start a free quote.

The one disadvantage to using this type of system is buyers cannot specifically choose which carriers to receive prices from. If you wish to select specific insurance companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. Click here to view list.

However you get your quotes, ensure you are comparing the exact same quote information on every quote you get. If you enter mixed coverages you can’t possibly determine the lowest rate for your Chevy Astro. Just a small difference in coverage limits could mean much higher rates. It’s important to know that obtaining a wide range of quotes will improve the odds of getting a better price.

Take advantage of discounts

Companies don’t always publicize all available discounts in a way that’s easy to find, so we researched both the well known as well as the least known discounts you could be receiving.

  • Good Student Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Homeowners Discount – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Astro insurance with certain companies.
  • Military Discounts – Having a family member in the military can result in better rates.

Consumers should know that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

For a list of providers who offer insurance discounts, click here to view.

How to know if you need help

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my teenager covered with friends in the car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is UM/UIM insurance?
  • What is medical payments coverage?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Parts of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills such as pain medications, dental work, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a deer and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Astro caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as repair costs for stationary objects, pain and suffering, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Astro.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Buy online or local, you save

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, someone dropped physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best price while not skimping on critical coverages.

You just learned a lot of techniques to get a better price on 1994 Chevy Astro insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest priced auto insurance comes from some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

Cheap insurance is definitely available from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

More detailed auto insurance information can be read in the articles below: