Searching for lower car insurance rates for your Chevrolet Astro? Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive car insurance.
Insurance companies such as State Farm, Progressive and Geico all promote huge savings with advertising and it is difficult to see through the cute green geckos and mayhem and find the best price available.
It is always a good idea to compare prices before your policy renews since rates are variable and change quite frequently. Even if you think you had the lowest rates on Astro coverage a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out the tricks you need to know to properly buy coverages while reducing your premium.
Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically at the time you complete a quote, but some may not be applied and must be requested specifically before you will receive the discount.
It’s important to note that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free insurance coverage policy, it just doesn’t work that way. Any qualifying discounts will cut your premiums.
A partial list of companies that may have these benefits are:
It’s a good idea to ask each company which discounts they offer. Savings may not apply in your area.
It’s important that you understand the rating factors that help determine car insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get big savings.
When buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight if you might need professional guidance.
If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.
Companies like Progressive, Geico, Allstate and State Farm continually stream ads on TV and radio. All the ads make an identical promise that you’ll save big after switching your policy. How does each company claim to save you money?
All the different companies can use profiling for the type of driver that is profitable for them. A good example of a desirable insured could be over the age of 40, owns a home, and has a high credit rating. A propective insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when they switch companies.
Drivers who don’t measure up to these standards will be charged a more expensive rate which leads to business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can state the savings.
That is why it is so important to quote coverage with many companies. It’s just too difficult to predict the company that will provide you with the cheapest Chevy Astro insurance rates.
Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.
This coverage covers damage to your Astro resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like hitting a mailbox, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as falling objects, a broken windshield, damage from getting keyed and hitting a bird. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for medical payments and/or PIP pay for short-term medical expenses like rehabilitation expenses, chiropractic care and dental work. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability insurance protects you from injuries or damage you cause to other people or property. This coverage 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. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.
This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Astro.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Budget-conscious 1998 Chevy Astro insurance can be found online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. Too many times, someone dropped uninsured motorist or liability limits only to find out that it was a big mistake. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
You just learned many tips how you can get a better price on insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the most savings is with a small mutual company. They may cover specific market segments cheaper compared to the large companies like Progressive or Geico.