1998 Chevrolet Astro Insurance Quotes

Searching for better insurance rates for your Chevrolet Astro? Paying for high-priced Chevrolet Astro insurance can empty your savings account and put a big crunch on your finances. Shopping your coverage around is a smart way to cut your insurance bill.

Consumers have many insurance companies to buy insurance from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to find the lowest rates.

It’s smart to compare prices every six months because insurance rates trend upward over time. Just because you found the best price for Astro coverage a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the only way to find better coverage at a better price.

This article will teach you the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. Nevertheless, car owners must understand how insurance companies compete online.

Car Insurance Comparisons

There are a lot of ways to shop for car insurance, but one way is more efficient than others. You can waste hours discussing policy coverages with insurance companies in your area, or you could use online quoting to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace where prospective buyers enter their policy data once, and each participating company can give them a price based on that information. This system prevents you from having to do form submissions for every car insurance company.

To compare 1998 Chevy Astro rates using this form now click here (opens in new window).

The one downside to comparing rates this way is you cannot specify which companies to get pricing from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples information for each price quote. If your comparisons have different values for each quote it will be next to impossible to determine which rate is truly the best. Slightly different coverage limits may result in large price differences. Keep in mind that obtaining a wide range of quotes helps you find a lower rate.

Cut your premium with discounts

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Some trigger automatically when you get a quote, but less common discounts must be requested specifically before they will apply.

Homeowners Discount – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Astro coverage with a few auto insurance companies.
Resident Student – Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
Good Student Discount – This discount can save 20 to 25%. This discount can apply up until you turn 25.
Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of up to 25% or more.
Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

It’s important to understand that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

A partial list of companies that may offer some of the above discounts include:

Before buying, ask each company what discounts are available to you. All car insurance discounts might not be offered in your state.

What is the best insurance coverage?

When choosing the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions might help in determining if you would benefit from an agent’s advice.

What should my uninsured motorist coverage limits be in my state?
What is covered by UM/UIM coverage?
Should I have combined single limit or split liability limits?
Why is insurance for a teen driver so high?
Do I need PIP (personal injury protection) coverage in my state?
Do I have any recourse if my insurance company denies a claim?
Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Knowing the specifics of your auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

Collision coverage

Collision coverage will pay to fix damage to your Astro from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, colliding with another moving vehicle, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage and falling objects. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Liability car insurance

Liability insurance can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, court costs, pain and suffering, medical services and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as prosthetic devices, pain medications, surgery and dental work. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage