Compare 1997 Chevrolet Astro Cargo Car Insurance Cost

Finding the cheapest insurance for a Chevy Astro Cargo could be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare auto insurance rates and we’ll show you the quickest way to price shop coverage for a new or used Chevy and obtain the best price possible from local insurance agents and online providers.

It’s a great practice to compare rates on a regular basis because prices are constantly changing. Despite the fact that you may have had the best rates for Astro Cargo coverage six months ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because you’re about to find out the fastest and easiest way to properly buy coverages while reducing your premium.

These factors can influence Chevy Astro Cargo insurance rates

It’s important that you understand the rating factors that play a part in calculating auto insurance rates. Understanding what determines base rates allows you to make educated decisions that could result in big savings.

  • Your location affects your rates – Residing in a rural area has it’s advantages when insuring your vehicles. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. City drivers regularly have congested traffic and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the more you will pay for auto insurance. Most companies rate vehicles determined by how the vehicle is used. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. An improperly rated Astro Cargo can cost quite a bit. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
  • Women pay lower rates – Statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Women and men are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like DUI and reckless driving.
  • Poor driving leads to higher costs – Your driving citation history has a big impact on rates. Just one speeding ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers who have severe citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Protect your assets with liability insurance – Liability coverage will protect you if ever a jury decides you are liable for damages from an accident. Liability provides legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Do you have a high stress job? – Jobs such as doctors, business owners and stock brokers have the highest rates attributed to stressful work requirements and long work hours. On the other hand, jobs such as actors, students and the unemployed get better rates for Astro Cargo coverage.
  • More than one policy can earn a discount – Many insurance companies will award you with lower prices to customers who buy several policies from them in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to verify if the discount is saving money.

More discounts equal less premium

Companies don’t always publicize all their discounts very clearly, so here is a list both the well known and the harder-to-find ways to save on insurance coverage. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Astro Cargo coverage depending on your company.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Astro Cargo coverage than less cautious drivers.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Homeowners Savings – Owning a house can save you money because maintaining a house demonstrates responsibility.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.

It’s important to understand that some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of insurers who offer insurance coverage discounts, click here to view.

It’s not one size fits all

When it comes to choosing the best car insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Does my policy pay for OEM or aftermarket parts?
  • Why is insurance for a teen driver so high?
  • When should I buy a commercial auto policy?
  • Do I need special endorsements for business use of my vehicle?
  • When would I need rental car insurance?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision – This coverage pays for damage to your Astro Cargo from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, rolling your car, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Astro Cargo.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, rock chips in glass, a tree branch falling on your vehicle and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses like hospital visits, ambulance fees, X-ray expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – Liability insurance can cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for 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 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

More quotes mean more savings

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. In many instances, an insured cut collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We just covered quite a bit of information on how to get a better price on 1997 Chevy Astro Cargo insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the best prices are with the smaller companies.

Cheap insurance can be purchased online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

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