Cheap 1998 Chevrolet Astro Cargo Car Insurance Quotes

Nobody looks forward to buying auto insurance, in particular when their premiums are too high.

Insurance companies such as State Farm and Geico all promote huge savings with ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s a good idea to compare prices once or twice a year because insurance rates are variable and change quite frequently. Just because you found the lowest price for Astro Cargo coverage on your last policy there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the best ways to reduce your cost while improving coverage.

The best way to compare car insurance rates is to know most of the larger companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is give them some information like whether you are married, any included safety features, if the vehicle is leased, and distance driven. Your details is submitted instantly to multiple car insurance providers and they respond with quotes quickly.

Factors influencing Chevy Astro Cargo insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating insurance coverage rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with better insurance coverage rates.

The list below includes a partial list of the pieces companies use to determine rates.

  • One company can mean more discounts – Many insurance companies will award you with lower prices to insureds who carry more than one policy such as combining an auto and homeowners policy. This can amount to 10 percent or more. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money.
  • Big city or small town – Residing in less populated areas can be a good thing when buying insurance coverage. Drivers in populated areas have to deal with much more traffic and longer commute times. Less people living in that area means fewer accidents.
  • Sex matters – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Men and women are in accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • Do you need those extra coverages? – There are quite a few add-on coverages that you can buy on your insurance coverage policy. Insurance for vanishing deductibles, towing coverage and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire will be a guaranteed way to pay more for insurance coverage. Not only will you pay more, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Lower deductibles cost more – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more money you’re willing to pay, the bigger discount you will receive for Astro Cargo coverage.
  • Clean credit earns discounts – A driver’s credit score is a important factor in determining what you pay for insurance coverage. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your 1998 Chevrolet Astro Cargo by repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with poor credit.

Lots of discounts mean lots of savings

Companies don’t always publicize all available discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find savings tricks you should be using.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Senior Citizens – Mature drivers may receive a discount up to 10% for Astro Cargo coverage.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.

Drivers should understand that some credits don’t apply the the whole policy. Some only apply to individual premiums such as medical payments or collision. Just because you may think you could get a free car insurance policy, it doesn’t quite work that way.

For a list of companies with discount car insurance rates, click this link.

Situations that might require an agent

When choosing the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help highlight if your situation would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving someone else’s vehicle?
  • Is a blown tire covered by insurance?
  • Why do I need rental car insurance?
  • When can my company non-renew my policy?
  • Is business equipment covered while in my vehicle?
  • Is my custom paint covered by insurance?
  • What is covered by UM/UIM coverage?
  • Is my 1998 Chevy Astro Cargo covered for smoke damage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for a 1998 Chevy Astro Cargo

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Astro Cargo.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

Collision coverage covers damage to your Astro Cargo from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, crashing into a ditch, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as rehabilitation expenses, prosthetic devices and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from 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 insurance covers things like vandalism, damage from flooding, fire damage and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, funeral expenses, legal defense fees, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Shop Smart and Save

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There have been many situations where someone sacrificed liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate.

Cheaper 1998 Chevy Astro Cargo insurance is attainable both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Much more information about auto insurance can be read below: