View 1991 Chevrolet Astro Cargo Insurance Quotes

Beginners to comparison shopping online may find buying the lowest-priced car insurance is harder than they anticipated.

Policy discounts you shouldn’t miss

Car insurance companies don’t always advertise all their discounts very clearly, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Astro Cargo insurance with a few insurance coverage companies.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Distant Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save approximately 10% to 15%.

It’s important to understand that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurance companies with discount insurance coverage rates, click here to view.

Where Can I Get Cheap Insurance?

When shopping for insurance there are multiple ways to get quotes from local insurance companies. The quickest method to find the cheapest 1991 Chevy Astro Cargo insurance rates is to get quotes online. This is very easy and can be done using a couple different methods.

  • The most efficient way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for separate quotation requests for every insurance company. One form submission gets you price quotes direct from many companies.It’s the quickest way to get rates.
  • A different way to get quotes online is going to each individual company website and fill out their own quote form. For sake of this example, we’ll pretend you want comparison quotes from Nationwide, Progressive and GMAC. To get each rate you have to visit each site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The hardest method of comparing rate quotes is to spend your day driving to and from local insurance agencies. The internet makes this process obsolete unless you have a need for the professional guidance only provided by licensed agents. It is possible to comparison shop online and get advice from an agent in your area and we’ll talk about that later.

It’s up to you which method you use, but make sure you use apples-to-apples deductibles and coverage limits with every price quote. If you have higher or lower deductibles then you won’t be able to determine the best price for your Chevy Astro Cargo. Just a small difference in limits may result in large price differences. Just remember that more quotes will increase your chances of finding the best offered rates.

Insurance agents can help

When it comes to buying the best insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • What is the ISO rating for a 1991 Chevy Astro Cargo?
  • Do I have coverage when pulling a U-Haul trailer?
  • Are rock chip repairs covered?
  • How do I buy GAP insurance?
  • Does insurance cover damages from a DUI accident?
  • What can I do if my company won’t pay a claim?
  • Do I need replacement cost coverage?
  • Do I pay less for low miles?
  • Can I afford low physical damage deductibles?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for collisions

Collision insurance covers damage to your Astro Cargo caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, crashing into a ditch, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Astro Cargo.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to people or other property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid and funeral expenses. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like nursing services, ambulance fees, prosthetic devices, chiropractic care and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Save for a rainy day

In this article, we presented a lot of tips how to lower your 1991 Chevy Astro Cargo insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest rates come from the least-expected company.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. Too many times, someone sacrificed liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

People who switch companies do it for any number of reasons including policy non-renewal, delays in paying claims, policy cancellation and an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company is easier than you think.

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