2002 Chevrolet Astro Insurance Quotes – 9 Savings Tips

Finding better insurance prices for a Chevy Astro can turn out to be difficult, but you can use the following methods to make it easier.

There is a better way to find auto insurance online and we’ll show you the absolute fastest way to get price quotes on a Chevy and get the lowest possible price from local insurance agents and online providers.

Shopping for affordable protection is simple if you know the tricks. If you have a current insurance coverage policy or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to understand the proper way to compare rates on the web.

How to buy auto insurance online

Effectively comparing auto insurance prices can be a daunting task if you don’t know the easiest way. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.

Most major companies are enrolled in a marketplace that allows shoppers to submit their information once, and each participating company then gives them pricing based on that information. This prevents consumers from doing quote forms for each company.

To find out what other companies charge click to open in new window.

One minor caviat to using this type of form is you don’t know exactly which companies you want to price. So if you prefer to choose specific providers to request quotes from, we put together a list of auto insurance companies in your area. Click here to view list.

Compare rates however you want, just double check that you are using exactly the same coverages and limits for every quote you compare. If each company quotes differing limits you will not be able to determine which rate is truly the best.

Nine discounts for cheaper auto insurance rates

Auto insurance is easily one of your largest bills, but you might be missing out on some discounts that could drop your premiums quite a bit. Most are applied when you complete an application, but a few must be asked for in order for you to get them.

  • Defensive Driver Discounts – Taking a driver safety course is a good idea and can lower rates and make you a better driver.
  • Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you could save 5% or more.
  • Low Miles Discount – Maintaining low annual mileage could earn discounted rates on garaged vehicles.
  • Good Student Discount – Excelling in school may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the medical payments premium.
  • Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Waiver for an Accident – Not necessarily a discount, but a few companies such as State Farm, Progressive and GEICO will allow you to have one accident before hitting you with a surcharge so long as you are claim-free before the accident.
  • Onboard Data Collection – Drivers who elect to allow their insurance company to spy on when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.
  • E-sign – A few larger online companies may give you up to $50 for signing up on the web.

It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

A list of auto insurance companies and some of their more popular discounts can be read below.

  • State Farm offers discounts including multiple autos, student away at school, good student, passive restraint, and defensive driving training.
  • American Family has savings for accident-free, bundled insurance, early bird, good student, defensive driver, and mySafetyValet.
  • GEICO has discounts for emergency military deployment, membership and employees, anti-lock brakes, military active duty, and air bags.
  • 21st Century may include discounts for automatic seat belts, teen driver, air bags, homeowners, good student, and driver training.
  • Progressive discounts include multi-vehicle, online signing, homeowner, continuous coverage, and good student.

If you want cheap insurance quotes, ask every company how you can save money. All car insurance discounts may not apply to policyholders in your area.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions can help discover if your situation may require specific advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Where can I get insurance after a DUI in my state?
  • Are rock chip repairs covered?
  • If my 2002 Chevy Astro is totaled, can I afford another vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What if I total my 2002 Chevy Astro and owe more than it’s worth?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance advertising tricks

Consumers can’t get away from all the ads that claim the best premium rates from companies such as State Farm, GEICO and Progressive. They all seem to make an identical promise that people will save if you move your car insurance coverage to their company.

How can each company give you a better price? Here is how they do it.

Insurance providers have strict underwriting profiles for the type of insured that will not have excessive claims. For instance, a driver they prefer may need to be a married female, carries full coverage, and drives less than 5,000 miles a year. Any driver who meets those qualifications will most likely get cheap premium rates and will probably save money with a new company.

Consumers who fall short of these standards will see a more expensive rate and business not being written. If you listen closely, the ads state “customers that switch” not “everyone who quotes” can save as much as they claim. This is how companies can truthfully make it sound like they have such great auto insurance rates.

Because of these techniques, drivers should do a rate comparison at every renewal. It’s impossible to know the company that will have the lowest rates.

Insurance coverage specifics

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision protection

This coverage covers damage to your Astro from colliding 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 parking meter, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, a broken windshield, falling objects and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance

This coverage provides protection from damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. 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 claims like funeral expenses, bail bonds, medical services and emergency aid. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as X-ray expenses, EMT expenses, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

One last thing about your coverage

When trying to cut insurance costs, do not buy poor coverage just to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

Consumers leave their current company for many reasons like lack of trust in their agent, questionable increases in premium, not issuing a premium refund or even policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

Discount 2002 Chevy Astro insurance is possible on the web and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not offer online price quotes and usually these smaller companies provide coverage only through independent agencies.

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