1993 Chevrolet Astro Car Insurance Rates

Overpriced Chevrolet Astro insurance can empty your checking account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to cut your insurance bill. Many car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest rate

You should make it a habit to do rate comparisons periodically because insurance rates are variable and change quite frequently. Just because you found the lowest rates for Astro coverage six months ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the only way to get good coverage at a lower rate.

If you have a policy now or need a new policy, you can use these tips to reduce the price you pay and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers only need an understanding of the proper way to shop for insurance coverage on the web.

Why your Chevy Astro insurance rates may be high

It’s important that you understand the rating factors that help determine insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get big savings.

Being married is a good thing – Having a spouse helps lower the price on insurance. Having a spouse means you’re more mature it has been statistically shown that being married results in fewer claims.
Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents in similar percentages, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and are penalized with high insurance rates.
Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
More miles equals more premium – The more miles you rack up on your Chevy every year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Vehicles not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your insurance policy is rated on how each vehicle is driven, because it can save money. If your policy improperly rates your Astro can result in significantly higher rates.
Tickets mean higher rates – Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation can boost insurance rates by twenty percent. Careful drivers get better rates than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
Credit scores impact insurance rates – Having a bad credit rating is a huge factor in determining what you pay for insurance. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores. Therefore, if your credit score can use some improvement, you could be paying less to insure your 1993 Chevrolet Astro by improving your credit score.
Don’t buy coverages you don’t need – There are a lot of add-on coverages that you can buy on your Astro policy. Coverages like personal injury protection, towing coverage and motor club memberships are some examples. They may seem like a good idea at first, but if you don’t need them get rid of them and save.

Finding Car Insurance Deals

Shopping for lower car insurance rates can be a daunting task if you aren’t aware of the easiest way. You can spend countless hours talking about coverages with agents in your area, or you can stay home and use online quoting to quickly compare rates.

The majority of car insurance companies participate in a marketplace that allows shoppers to send in one quote, and each company provides a quote based on the submitted data. This saves time by eliminating repetitive form submissions for each company.

To enter your information into the quoting system, click to open in new window.

The single downside to comparing rates this way is buyers cannot specifically choose the providers to get quotes from. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of companies who write car insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just compare the exact same coverages with each company. If you enter different values for each quote it’s not possible to truly determine the lowest rate.

Don’t believe everything you hear

Consumers can’t get away from ads for the lowest price auto insurance from the likes of Geico, State Farm and Progressive. They all make the same claim that you can save if you change your coverage to them.

But how can every company make almost identical claims?

All the different companies can use profiling for the type of driver they prefer to insure. For instance, a preferred risk might be profiled as between 25 and 40, a clean driving record, and chooses high deductibles. A customer getting a price quote who matches those parameters will get the preferred rates and as a result will probably save when they switch companies.

Potential customers who fall outside the requirements will be charged higher rates which leads to business not being written. Company advertisements say “customers who switch” not “people who quote” save money. This is how insurance companies can confidently claim big savings.

That is why you need to get quotes from several different companies. It’s just too difficult to predict which company will have the lowest Chevy Astro insurance rates.

Cut prices on Chevy Astro insurance

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be manually applied in order for you to get them. If you’re not getting every credit possible, you are throwing money away.

Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
Sign Online – Some insurance companies will give a small break just for signing your application over the internet.
Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Bundle and Save – When you have multiple policies with one insurance company you may save at least 10% off all policies.
Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
No Accidents – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
Homeowners Pay Less – Being a homeowner can save you money because owning a home requires personal responsibility.
Safety Course Discount – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

A partial list of companies that may have some of the above discounts are:

Before buying, ask each company which discounts you may be entitled to. Savings might not apply in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation could use an agent’s help.

Am I covered if hit by an uninsured driver?
Why do I only qualify for high-risk insurance?
Is business property covered if stolen from my car?
What is PIP insurance?
I don’t drive much so do I pay less?
Does my medical payments coverage pay my health insurance deductible?
What vehicles should carry emergency assistance coverage?
Do I need an umbrella policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Car insurance coverages for a 1993 Chevy Astro

Understanding the coverages of auto insurance aids in choosing the right coverages for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, X-ray expenses, surgery, ambulance fees and prosthetic devices. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair costs for stationary objects, court costs, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists 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 should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Collision protection

Collision insurance pays for damage to your Astro resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, hitting a parking meter, crashing into a ditch, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, 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.

Be a Smart Shopper

The cheapest 1993 Chevy Astro insurance is attainable on the web and with local insurance agents, and you need to comparison shop both to have the best selection. A few companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability coverage limits only to find out that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

We’ve covered a lot of tips how to compare insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the lowest rates come from a small local company. These companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or Geico.