View 2000 Chevrolet Astro Insurance Rates

Looking for cheaper insurance rates? Shoppers have options when shopping for low-cost Chevy Astro insurance. You can either spend your time calling around getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to buy insurance and we’ll show you the proper way to quote coverages for a new or used Chevy and get the lowest possible price.

Smart consumers take time to take a look at other company’s rates periodically due to the fact that insurance rates go up and down regularly. Just because you had the best rates on Astro insurance six months ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the best methods to eliminate unnecessary coverages and save money.

Buying car insurance is quite easy. If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Consumers just need to know how to compare company rates online.

Pay less for Chevy Astro insurance

Companies that sell car insurance don’t always advertise every discount very clearly, so we break down some of the more common and the more hidden ways to save on insurance. If you’re not getting every credit possible, you are throwing money away.

  • Own a Home – Owning a house can help you save on insurance due to the fact that maintaining a home is proof that your finances are in order.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Astro insurance with select insurance companies.

It’s important to note that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

Insurance companies who might offer these benefits include:

Double check with each insurance company what discounts are available to you. Discounts may not apply in your state.

Factors influencing Chevy Astro insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay enables informed choices that could result in big savings.

The list below includes some of the factors insurance companies consider when setting premiums.

  • Bundling policies can get discounts – Some insurance companies give discounts to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to make sure you are getting the best deal. Drivers may still find better rates by splitting coverages up.
  • Little extras can really add up – There are many extra coverages that can waste your money on your insurance policy. Things like rental car reimbursement, accident forgiveness and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Your stress level may be raising your rates – Careers like doctors, business owners and financial analysts tend to have higher average rates due to high stress and long work hours. Conversely, professions such as pilots, engineers and the unemployed receive lower rates on Astro insurance.
  • What are your deductibles? – The deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and windstorm damage. The more money you are required to pay out-of-pocket, the bigger discount you will receive on Astro insurance.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • What is the rate difference between pleasure use and commuting?
  • Is my custom paint covered by insurance?
  • Why am I required to buy high-risk coverage?
  • Should I have a commercial auto policy?
  • Am I covered if I break a side mirror?
  • Do I need rental car coverage?
  • Am I covered when delivering products for my home-based business?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

The fine print in auto insurance ads

Consumers can’t get away from ads that promise big savings by companies like Allstate, Geico and Progressive. All the ads say the same thing that you can save if you switch to them.

But how can every company make the same claim?

All the different companies are able to cherry pick for the type of customer they prefer to insure. An example of a profitable customer might be between 25 and 40, is a homeowner, and has a high credit rating. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don’t meet the requirements must pay more money which leads to the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. That is how companies can make the claims of big savings. This illustrates why you need to quote coverage with many companies. You cannot predict which insurance companies will have the lowest Chevy Astro insurance rates.

Specific coverages for a Chevy Astro

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage protection

This coverage will pay to fix damage to your Astro resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, scraping a guard rail, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as funeral expenses, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Astro.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance pays for 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 coverage pays for things such as fire damage, damage from a tornado or hurricane, hail damage and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like funeral costs, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Don’t be a big spender

In this article, we covered a lot of techniques to save on 2000 Chevy Astro insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

Affordable insurance is attainable both online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Additional insurance information is available at the links below