1991 Chevrolet Astro Cargo Car Insurance Rates – 6 Tips for Best Quotes

Perplexed by the number of car insurance options? You’re not alone. Drivers have so many options that it can quickly become a real hassle to compare prices.

Do you qualify for a discount?

Insuring your fleet can be pricey, but you can get discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few need to be requested specifically in order for you to get them.

  • Multiple Policy Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Paperless Signup – A few companies give back up to $50 just for signing your application online.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house shows financial diligence.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Clubs and Organizations – Belonging to certain professional organizations is a good way to get lower rates when buying auto insurance on Astro Cargo coverage.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will bring down your overall premium however.

For a list of insurers offering auto insurance discounts, follow this link.

What coverages do I need?

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help you determine if your situation might need an agent’s assistance.

  • Should I get collision insurance on every vehicle?
  • Can I get a multi-policy discount?
  • How can I get high-risk coverage after a DUI?
  • Is my ex-spouse still covered by my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I benefit by insuring my home with the same company?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance policy coverages for a Chevy Astro Cargo

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage protection

This pays for damage to your Astro Cargo resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, fire damage, hail damage, rock chips in glass and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills such as rehabilitation expenses, surgery, X-ray expenses and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability coverage

This coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like loss of income, bail bonds, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Final considerations

Drivers switch companies for a number of reasons such as high prices, high rates after DUI convictions, policy non-renewal and even unfair underwriting practices. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

When shopping online for insurance, you should never skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Affordable 1991 Chevy Astro Cargo insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

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