View 1995 Chevrolet Astro Car Insurance Quotes

Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as most other car owners.

Lots of car insurance companies contend for your business, so it’s not easy to compare every insurer to find the absolute lowest rate

It’s a good habit to do rate comparisons quite often since insurance rates change quite often. Just because you had the best rates for Astro insurance a year ago you will most likely find a better rate today. There is a lot of wrong information about car insurance on the internet, so I’m going to show you a bunch of ideas how to quit paying high car insurance rates.

Chevy Astro rates are complex

An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get better auto insurance rates.

  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if ever you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • More than one policy can earn a discount – Many insurers provide better rates to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Where you live is a factor – Living in small towns and rural areas has it’s advantages when buying auto insurance. Fewer people means reduced accidents. Urban drivers tend to have congested traffic and a longer drive to work. Longer commute distances can result in more accidents.
  • With age comes lower rates – Older drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers are known to be more careless behind the wheel therefore auto insurance rates are much higher.

How to Get Cheap Auto Insurance

The are a couple different ways of comparing rates from different insurance companies. The best method to compare 1995 Chevy Astro insurance prices is to perform an online rate comparison. This can be accomplished using a couple different methods.

  1. The recommended way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form keeps you from doing repetitive form submissions to each individual auto insurance company. In just a few minutes this one form will get you price quotes from auto insurance companies with the best prices.
  2. A more difficult way to compare prices requires a visit to each individual company website and complete a new quote form. For instance, let’s say you want to compare rates from Farmers, State Farm and Geico. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but be sure to compare apples-to-apples coverage limits and deductibles with each company. If you enter mixed coverages you will not be able to make an equal comparison. Slightly different insurance coverages can result in a big premium difference. Just keep in mind that comparing more company’s prices will increase your chances of finding the best price.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply when you quote, but a few must be specifically requested prior to getting the savings.

  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for better car insurance rates for Astro insurance.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Astro insurance with a few car insurance companies.
  • Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will cut the cost of coverage.

To see a list of providers offering car insurance discounts, click here to view.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if you may require specific advice.

  • Do I need motorclub coverage?
  • Does my insurance cover my expensive audio equipment?
  • What can I do if my company won’t pay a claim?
  • Is a blown tire covered by insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Is business equipment covered while in my vehicle?
  • Can my babysitter drive my car?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverages and their meanings

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

This coverage covers damage to your Astro resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability coverages

This coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t 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. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as bail bonds, funeral expenses and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, damage from getting keyed and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for funeral costs, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Stretch your dollar

While you’re price shopping online, you should never buy poor coverage just to save money. Too many times, someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

Low-cost 1995 Chevy Astro insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online quoting and these regional insurance providers work with independent agents.

We just presented many ideas to get a better price on insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

For more information, take a look at the resources below: