2001 Chevrolet Astro Insurance Rates

Shoppers have lots of choices when shopping for affordable Chevy Astro insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance rates and we’ll show you the quickest way to quote coverages for a new or used Chevy and locate the lowest price.

Consumers need to take a look at other company’s rates on a regular basis because insurance rates are rarely the same from one policy term to another. Even if you got the lowest rates for Astro coverage a couple years back a different company probably has better rates today. There is a lot of wrong information about insurance on the internet, so we’re going to give you some good information on how to stop overpaying for insurance.

You probably qualify for some discounts

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Certain discounts will be applied at quote time, but a few need to be specifically requested prior to getting the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Drive Less and Save – Fewer annual miles on your Chevy can earn lower rates on the low mileage vehicles.

Keep in mind that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut the cost of coverage.

To see a list of companies who offer insurance coverage discounts, click here to view.

Insurance Quote Comparison

Lowering your 2001 Chevy Astro insurance rates doesn’t have to be difficult. Just take a couple of minutes to get quotes from different insurance companies. This can be accomplished in several different ways.

  • The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quote forms for each company you want a rate for. In just a few minutes this one form compares rates from all major companies. This is perfect if you don’t have a lot of time.
  • A harder way to get comparison quotes consists of visiting the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want to compare Auto-Owners, Geico and Farmers. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.
  • The least recommended method to compare rates is to spend your day driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you require the professional advice of a local agent. Drivers can get prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just double check that you are using exactly the same coverage limits with every price quote. If each company quotes different values for each quote then you won’t be able to decipher which rate is best.

These factors can influence Chevy Astro insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance coverage rates. Having a good understanding of what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” insurance coverage companies consider when setting premiums.

  • Do you qualify for a multi-policy discount? – The majority of insurers give discounts to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, you may still want to shop around to verify if the discount is saving money.
  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Do you work long hours in a high stress job? – Occupations like real estate brokers, architects and dentists have the highest average rates in part from high stress and lengthy work days. Other professions such as scientists, historians and retirees get better rates for Astro coverage.
  • Add-on coverages can add up – There are a ton of additional coverages that can waste your money on your 2001 Astro policy. Things like rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Where you live – Choosing to live in small towns and rural areas can save you money when it comes to insurance coverage. Less people living in that area means reduced accidents. Drivers in populated areas have to deal with traffic congestion and a longer drive to work. More time on the road can result in more accidents.
  • Pleasure use saves money – Driving more miles in a year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your insurance coverage coverage properly reflects the proper vehicle usage. Incorrect usage on your Astro may be costing you.

There’s no such thing as the perfect policy

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

For instance, these questions can help discover whether or not you could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • When would I need rental car insurance?
  • Will filing a claim cost me more?
  • Should I sign the liability waiver when renting a car?
  • What vehicles should carry emergency assistance coverage?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverages – Collision coverage pays for damage to your Astro resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, driving through your garage door and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses like pain medications, EMT expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Astro.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, emergency aid and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Have money to burn

Cheaper 2001 Chevy Astro insurance is possible on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

In this article, we presented quite a bit of information on how to compare insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the best price on insurance coverage is with the smaller companies.

People who switch companies do it for a variety of reasons including policy cancellation, being labeled a high risk driver, extreme rates for teen drivers or not issuing a premium refund. Regardless of your reason, finding a new company can be less work than you think.

More tips and info about insurance coverage can be read in the articles below: