Compare 1999 Chevrolet Astro Car Insurance Quotes

Finding affordable auto insurance is hard for consumers new to comparing rates online. You have so many companies to choose from that it can be a ton of work to find the best price.

How to Buy Car Insurance Online

There are several ways to get quotes from local car insurance companies. The best method to find the lowest 1999 Chevy Astro rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate quotation requests for each company. In just a few minutes this one form gets rate comparisons direct from many companies. This is by far the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online is spending the time to visit each individual company website to complete a price quote. For instance, we’ll assume you want comparison quotes from Farmers, Progressive and State Farm. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

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

However you get your quotes, ensure you’re using identical coverage information for every quote you compare. If the quotes have different deductibles you can’t possibly make an equal comparison. Having just a slight variation in coverage limits can make a big difference in price. And when comparing car insurance rates, know that getting more free quotes gives you a better chance of getting better pricing.

Cut prices on Chevy Astro insurance

Car insurance companies don’t always publicize every available discount very clearly, so we researched some of the best known as well as the least known car insurance savings.

  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • E-sign – A handful of insurance companies will give a small break simply for signing online.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Astro insurance depending on your company.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.

Keep in mind that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

Insurance companies that possibly offer these discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. Savings might not apply in every state.

Tailor your coverage to you

When it comes to buying coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover if your situation may require specific advice.

  • What is no-fault insurance?
  • What is covered by UM/UIM coverage?
  • What happens if I owe more than my 1999 Chevy Astro is worth?
  • When can my company non-renew my policy?
  • When should I not file a claim?
  • How does medical payments coverage work?
  • What should my uninsured motorist coverage limits be in my state?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Lesser-known factors impacting Chevy Astro insurance rates

It’s important that you understand the different types of things that come into play when calculating the rates you pay for insurance. Knowing what influences your rates helps enable you to make changes that could result in big savings.

  • Discounts for married couples – Getting married actually saves money on your insurance policy. Marriage is viewed as being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Better credit scores mean better rates – Your credit score is a large factor in determining what you pay for insurance. Therefore, if your credit history is lower than you’d like, you could pay less to insure your 1999 Chevrolet Astro by improving your credit score. People with excellent credit tend to be more responsible than drivers with poor credit.
  • Occupation reflects on rates – Careers like lawyers, social workers and financial analysts tend to have higher average rates because of high stress and lengthy work days. Conversely, jobs such as farmers, engineers and retirees receive lower rates on Astro insurance.
  • Careful drivers pay lower rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket can increase rates twenty percent or more. Good drivers have lower premiums compared to drivers with tickets. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Adjust deductibles and save – Your deductibles define the amount you are willing to pay if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more money you’re willing to pay, the bigger discount you will receive on Astro insurance.
  • How your age affects price – More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers. Young drivers tend to be less responsible when driving and because of this, their insurance rates are much higher.

Don’t be fooled by advertising claims

Companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the ads make an identical promise about savings if you change to them. How does each company say the same thing?

All companies have a preferred profile for the type of driver they prefer to insure. A good example of a driver they prefer could possibly be between 30 and 50, a clean driving record, and has excellent credit. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Potential customers who don’t meet these standards must pay a higher premium and ends up with the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can advertise the way they do. This illustrates why you absolutely need to compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.

The coverage is in the details

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1999 Chevy Astro.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like ambulance fees, surgery and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage

This will cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, repair bills for other people’s vehicles, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Coverage for collisions

This will pay to fix damage to your Astro from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, scraping a guard rail, backing into a parked car, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a bird, hail damage and a broken windshield. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Keep this in mind

Budget-conscious 1999 Chevy Astro insurance can be found from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

You just read some good ideas how you can get a better price on insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with the least-expected company.

Drivers who switch companies do it for a variety of reasons including poor customer service, lack of trust in their agent, extreme rates for teen drivers and even not issuing a premium refund. Regardless of your reason, choosing a new company is less work than it seems.

Additional information can be read below: