2001 Chevrolet Astro Cargo Insurance Rates – 6 Tricks for Cheapest Quotes

Drivers have a choice when trying to find affordable Chevy Astro Cargo insurance. They can either spend hours driving around trying to get quotes or use the internet to find the lowest rates. There is a right way and a wrong way to compare insurance rates and you need to know the absolute fastest way to quote coverages for your Chevy and find the lowest price.

Consumers should take time to get comparison quotes occasionally because prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on Astro Cargo insurance a couple years back you will most likely find a better rate today. There is a lot of wrong information about insurance on the internet, so we’re going to give you some great ways to save money.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to save some money using this information. Drivers only need to know the best way to compare price quotes over the internet.

The easiest way to get policy rate comparisons is to take advantage of the fact most of the larger companies have advanced systems to quote your coverage. All you need to do is provide a small amount of information including if you have a valid license, distance driven, how much coverage you want, and the year, make and model of vehicles. The data gets sent immediately to many of the top insurers and you will get price comparisons instantly to find the best rate.

To find the cheapest 2001 Chevy Astro Cargo insurance rates, click here and find out if lower rates are available.

Take advantage of discounts

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you deserve, you are paying more than you should be.

E-sign – Certain companies give back up to $50 simply for signing over the internet.
Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Astro Cargo insurance than drivers with accidents.
Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

For a list of insurers with the best auto insurance discounts, click here to view.

How to know if you need help

When buying the best insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

Should I file a claim if it’s only slightly more than my deductible?
Do I need medical payments coverage since I have good health insurance?
Can my teen driver be rated on a liability-only vehicle?
What is covered by UM/UIM coverage?
Does insurance cover damages from a DUI accident?
What is no-fault insurance?
Is there coverage for injuries to my pets?
Is pleasure use cheaper than using my 2001 Chevy Astro Cargo to commute?
Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions, 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. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like X-ray expenses, dental work, pain medications, chiropractic care and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism, a broken windshield and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Astro Cargo.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

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

Collision coverage protects against things such as colliding with a tree, hitting a parking meter, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage protects you from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and 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. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like legal defense fees, bail bonds, structural damage, medical expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.