2002 Chevrolet Astro Insurance Quotes

Price shopping your insurance is difficult for consumers not familiar with shopping for insurance online. Drivers have so many options available that it can quickly become a real challenge to find lower rates.

It’s a good idea to get comparison quotes periodically because insurance rates change quite often. Despite the fact that you may have had the lowest price on Astro insurance a year ago you may be paying too much now. Don’t believe everything you read about insurance online but I’m going to show you some of the best ways to reduce your insurance bill.

The method we recommend to compare car insurance rates takes advantage of the fact almost all companies provide online access to compare rate quotes. To get started, all you need to do is give them rating details such as if you lease or own, your job, daily mileage, and if your license is active. Your rating data is submitted instantly to many highly-rated insurers and they return rate quotes almost instantly.

Be sure to get all your discounts

Companies that sell car insurance do not list every available discount very well, so the following is a list of some of the more common as well as the least known ways to save on auto insurance.

  • Defensive Driver – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% on Astro insurance.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • No Charge for an Accident – A few companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on Astro insurance with select insurance companies.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Astro insurance than drivers with accident claims.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Companies that may have some of the above discounts may include but are not limited to:

Before buying, ask every prospective company which discounts they offer. All car insurance discounts might not apply everywhere.

Some factors that can determine what Chevy Astro insurance costs

Smart consumers have a good feel for the rating factors that help determine your auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in better auto insurance rates.

The following are some of the factors auto insurance companies consider when setting premiums.

  • Lower rates come with age – Teenage drivers are known to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Higher deductibles cost less – Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims could be running into the backend of another car, vandalism, and burglary. The more you’re willing to pay, the less your auto insurance will be on Astro insurance.
  • Proper usage rating affects rates – The more you drive in a year’s time the more you will pay for auto insurance. Almost all companies apply a rate determined by how the vehicle is used. Autos that are left in the garage receive lower rates than those used for commuting. Improper usage on your Astro may be wasting your money. Verify your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • High crash test scores lower rates – Safer cars tend to have better insurance rates. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If the Chevy Astro has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Claim-free discounts can add up – If you file claims often, you can expect either a policy non-renewal or much higher rates. Companies give discounts to drivers who do not file claims often. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions can help discover if your situation might need professional guidance.

  • What should my uninsured motorist coverage limits be in my state?
  • How can I force my company to pay a claim?
  • When should I not file a claim?
  • Do I benefit by insuring my home with the same company?
  • Is upholstery damage covered by car insurance?
  • I don’t drive much so do I pay less?
  • Which is better, split liability limits or combined limits?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I buy a commercial auto policy?
  • Should I buy full coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Don’t be fooled by advertising claims

Car insurance providers like Progressive, Allstate and Geico consistently run ads in print and on television. They all make an identical promise of big savings if you change to them. How can each company say the same thing?

Different companies can use profiling for the type of driver that is profitable for them. For instance, a preferred risk could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A driver who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who are not a match for the requirements must pay higher premiums which leads to business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much. This is how companies can truthfully make those claims. This illustrates why it’s extremely important to get quotes from several different companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest Chevy Astro insurance rates.

Car insurance coverage options for a 2002 Chevy Astro

Learning about specific coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

Collision insurance pays for damage to your Astro from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, rolling your car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection 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 2002 Chevy Astro.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance

This coverage protects you from damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for 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 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, medical services, court costs, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers 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 insurance covers claims like falling objects, vandalism, theft, hitting a bird and a broken windshield. The maximum payout 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.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, rehabilitation expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

A penny saved is a penny earned

Cost effective 2002 Chevy Astro insurance can be bought both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

We just presented a lot of information how to reduce insurance prices online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced insurance comes from a small local company.

Drivers leave their current company for a number of reasons such as lack of trust in their agent, questionable increases in premium, being labeled a high risk driver and poor customer service. No matter why you want to switch, switching companies is easier than you think.

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