View 1998 Chevrolet Astro Cargo Insurance Rates

Trying to find lower auto insurance rates for your Chevrolet Astro Cargo? Have you fallen victim to overpriced auto insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy. Lots of car insurance companies contend to insure your vehicles, so it’s not easy to compare every insurance company to find the lowest cost out there.

You need to get comparison quotes quite often due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best deal for Astro Cargo coverage a year ago you can probably find a lower rate today. So just ignore everything you know about auto insurance because I’m going to teach you the fastest way to properly buy coverages and cut your premium.

How to Get Car Insurance

Finding cheaper 1998 Chevy Astro Cargo car insurance prices is a fairly straight forward process. The only thing you need to do is spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The best way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do repetitive form submissions for each company. A single form gets rate comparisons from multiple companies.
  • A more time consuming way to get quotes online consists of visiting each individual company website to complete a price quote. For examples sake, let’s say you want to compare Progressive, Esurance and State Farm. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  • The most time-consuming way of comparing rate quotes is driving around to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the trained guidance only provided by licensed agents. It is possible to comparison shop your insurance online and still use a local agent and we’ll cover that in a bit.

Which method you use is up to you, but compare apples-to-apples coverage information on every quote you get. If you enter unequal deductibles or liability limits you can’t possibly determine the best price for your Chevy Astro Cargo.

Discounts are basically free money

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be manually applied before being credited. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • No Accidents – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for a substantially lower rate.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Accident Waiver – Certain companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home requires personal responsibility.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut your premiums.

Companies that possibly offer these discounts include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts might not be offered in your state.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Can my teen drive my company car?
  • Do I have coverage if my license is suspended?
  • When should I drop full coverage on my 1998 Chevy Astro Cargo?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if hit by an uninsured driver?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, repair costs for stationary objects, attorney fees, loss of income and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird, fire damage, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Astro Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses such as dental work, ambulance fees, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your Astro Cargo from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.