1992 Chevrolet Astro Car Insurance Rates – 8 Ways to Save

Drivers have options when trying to find affordable Chevy Astro insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to get rate quotes.

There are both good and bad ways to compare insurance coverage rates and you need to know the absolute fastest way to get price quotes for a Chevy and get the cheapest rates either online or from local insurance agents.

Insurance Comparison Rates

Most major insurance companies quote insurance quotes on their websites. Getting online rates is fairly simple as you just type in the coverages you want into a form. After the form is submitted, the company’s rating system obtains credit information and your driving record and provides a quote determined by many factors.

Online quotes simplifies rate comparisons, but the time it takes to visit several different sites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes in order to get a better rate.

The preferred way to lower your rates utilizes a single form that gets price quotes from multiple companies. It saves time, requires less work, and makes rate comparisons much more efficient. As soon as you send your information, your coverage is rated and you can select your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. This process only takes a few minutes and may result in a nice savings.

To quickly use this form to compare rates, click here and begin entering your coverage information. If you have coverage now, it’s recommended you type in coverages and limits identical to your current policy. This guarantees you will get a rate comparison based on the exact same insurance coverage.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • Is my Chevy Astro covered if I use it for business?
  • Does insurance cover tools stolen from my truck?
  • Does medical payments coverage apply to all occupants?
  • When should I buy a commercial auto policy?
  • Is a new car covered when I drive it off the dealer lot?
  • What companies insure drivers after a DUI or DWI?
  • Can I get a multi-policy discount?
  • When should my teen driver be added to my policy?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Car insurance policy coverages for a Chevy Astro

Knowing the specifics of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1992 Chevy Astro.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage – Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as court costs, medical services, pain and suffering, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as chiropractic care, funeral costs, surgery and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage – This pays for damage to your Astro resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, driving through your garage door, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, theft, a broken windshield, hitting a deer and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.