1999 Chevrolet Astro Insurance Cost – 8 Ideas for Cheaper Prices

Are you sick and tired of paying out the nose each month for car insurance? Your situation is no different than many other consumers. You have so many insurance companies to purchase coverage from, and though it is a good thing to have a selection, it can be more difficult to compare rates and find the lowest cost auto insurance.

It’s smart to shop coverage around yearly due to the fact that insurance rates go up and down regularly. Just because you had the best price for Astro insurance a few years ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance online, so I’m going to show you the best ways to stop overpaying for insurance.

Quick Insurance Quotes

Getting a lower price on 1999 Chevy Astro insurance is not rocket science. Consumers just need to spend a little time to compare rate quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for repetitive form entry for each company you want a rate for. One quote request will get you rate comparisons from many national carriers.
  • A harder way to obtain and compare quotes online consists of going to the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll pretend you want comparison quotes from USAA, 21st Century and State Farm. You would have to go to every website and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  • The most time-consuming method to compare rates is driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional advice that only a license agent can provide. It is possible to comparison shop your insurance online and still use a local agent and we’ll talk about that later.

It’s up to you which method you use, but be sure to compare exactly the same quote information for each price quote. If you are comparing unequal deductibles or liability limits it will be very difficult to determine the best price for your Chevy Astro.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Does my personal policy cover me when driving out-of-state?
  • How do I file an SR-22 for a DUI in my state?
  • How many claims can I have before being cancelled?
  • When should I buy a commercial auto policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average auto insurance policy.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from 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 hail damage, hitting a deer, hitting a bird, a broken windshield and rock chips in glass. The maximum payout your auto insurance company will pay is the actual cash value, 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 pay for immediate expenses for X-ray expenses, funeral costs, nursing services and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage protects you from damage that occurs to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like pain and suffering, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your Astro caused by collision 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 pays for things like crashing into a building, colliding with a tree, driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.