Cheaper 2003 Chevrolet Astro Insurance Quotes

No one enjoys paying for car insurance, in particular when they are paying too much.

Companies like Allstate and Progressive all claim big savings with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

It’s smart to compare prices every six months because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Astro insurance a year ago there may be better deals available now. Forget all the misinformation about car insurance because we’re going to demonstrate one of the quickest ways to eliminate unnecessary coverages and save money.

If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Finding affordable coverage is not rocket science. Although drivers do need to learn the way insurance companies sell online because it can help you find the best coverage.

Factors determining your Chevy Astro insurance premium

It’s important that you understand the factors that go into determining insurance rates. Understanding what influences your rates helps enable you to make changes that may reward you with big savings.

  • Increase deductibles and save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before your insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The more you’re willing to pay, the lower your rates will be on Astro insurance.
  • Rural vs Urban Areas – Being located in a rural area has it’s advantages when talking about insurance. Less people living in that area means fewer accidents and a lower car theft rate. Drivers who live in large cities have congested traffic and longer commute times. More time commuting translates into higher accident risk.
  • Do you need the policy add-ons? – There are a ton of extra bells and whistles that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.
  • Discounts for multiple policies – Most companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal. You may still be able to find a better deal by splitting coverages up.
  • High numbers of claims are not good – If you frequently file small claims, you can look forward to higher rates. Insurance companies provide cheaper rates to insureds who are claim-free. Insurance coverage is intended for larger claims.

Comparison of Insurance

There are several ways of comparing price quotes from local insurance companies. The quickest method to find the cheapest 2003 Chevy Astro insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  • The most efficient way to get quotes is a comparison rater form like this one (opens in new window). This method eliminates the need for repetitive form entry to each individual insurance company. One quote request will return price quotes from insurance companies with the best prices.
  • A less efficient way to shop for insurance online requires visiting the website of each company to complete a price quote. For examples sake, let’s say you want rates from Nationwide, Progressive and Farmers. You would have to take the time to go to each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use the exact same coverage limits for each price quote. If you use different limits and deductibles on each one it will be very difficult to determine the best price for your Chevy Astro. Slightly different limits may result in a large different in cost. It’s important to know that comparing more company’s prices will improve the odds of getting the best offered rates.

Discounts mean cheaper Chevy Astro insurance rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but less common discounts must be asked about before you get the savings.

  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance from them.

It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will cut the cost of coverage.

Car insurance companies who might offer these money-saving discounts include:

Double check with every prospective company what discounts are available to you. Savings may not be available in every state.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions might help in determining whether or not you might need professional guidance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • What if I owe more than I can insure my car for?
  • Can I afford low physical damage deductibles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I hit a deer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need rental car coverage?
  • Should I waive the damage coverage when renting a car?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Parts of your auto insurance policy

Understanding the coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Collision – Collision coverage will pay to fix damage to your Astro caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2003 Chevy Astro.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for bills such as rehabilitation expenses, hospital visits, dental work, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability – This coverage can cover damage that occurs to people or other property by causing an accident. This coverage 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. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like emergency aid, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hail damage, rock chips in glass and a broken windshield. The maximum payout 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.

Don’t break the bank

Throughout this article, we presented a lot of tips how to shop for 2003 Chevy Astro insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the lowest premiums are with some of the lesser-known companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

Cheaper insurance can be found online and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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