View 2003 Chevrolet Astro Cargo Insurance Rates

Want cheaper auto insurance rates for your Chevrolet Astro Cargo? No one in their right mind likes having to buy auto insurance, in particular when the cost is too high. Popular companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with advertising and it is challenging if not impossible to avoid their marketing magic and find the best price available.

Consumers need to take a look at other company’s rates yearly because insurance rates change regularly. Even if you think you had the lowest rates for Astro Cargo insurance a year ago you will most likely find a better rate today. Starting right now, ignore everything you know about auto insurance because you’re going to get a crash course in the easiest way to save on auto insurance.

If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. Finding affordable coverage is not rocket science. Drivers just need to know the proper methods to shop for insurance coverage over the internet.

Are you getting all your discounts?

Companies offering auto insurance don’t always publicize all available discounts very clearly, so we break down some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit available, you are paying more than you should be.

  • E-sign – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home requires personal responsibility.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of more than 20%.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Astro Cargo insurance than their less cautious counterparts.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for Astro Cargo insurance with a few insurance coverage companies.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Drivers Ed for Students – Have your child enroll in driver’s education in school.

Consumers should know that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurers with the best insurance coverage discounts, click here to view.

When might I need an agent?

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • Does my 2003 Chevy Astro Cargo qualify for pleasure use?
  • Do I need added coverage for expensive stereo equipment?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What happens if I owe more than my 2003 Chevy Astro Cargo is worth?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I rent a car in Mexico?

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, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Do you really save 40% when you switch?

Consumers constantly see and hear ads for cheaper car insurance from companies such as State Farm, Geico and Progressive. They all seem to have a common claim that you’ll save big if you move your policy.

How does each company make almost identical claims?

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer might be over the age of 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who meets those qualifications receives the best rates and most likely will save when switching.

Potential insureds who do not match the “perfect” profile must pay a more expensive rate which leads to business not being written. The ads state “people who switch” not “everybody who quotes” save that much. That’s why companies can state the savings. This illustrates why drivers should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Information about specific coverages

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people. 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. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Astro Cargo.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision – This coverage will pay to fix damage to your Astro Cargo resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, sideswiping another vehicle, hitting a mailbox, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for things like prosthetic devices, hospital visits and pain medications. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, hitting a deer, rock chips in glass and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Pennies from heaven

In this article, we presented some good ideas how you can save on 2003 Chevy Astro Cargo insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest rates come from some of the lesser-known companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

The cheapest insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Additional information