1995 Chevrolet Astro Cargo Insurance Rates – 6 Savings Tips

Drivers have a choice when trying to find low-cost Chevy Astro Cargo insurance. They can either waste time contacting agents to get rate comparisons or use the internet to get rate quotes. There is a better way to shop for auto insurance and you need to know the quickest way to quote coverages for a Chevy and find the best price possible from local insurance agents and online providers.

How to Get Car Insurance

There are several ways to shop for Chevy Astro Cargo car insurance, but there is one way that is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use online quotes to maximize your effort.

Many popular insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company returns a competitive quote for coverage. This system prevents you from having to do form submissions to every company.

To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify which companies you want pricing from. So if you prefer to choose from a list of companies to compare prices, we put together a list of companies who write car insurance in your area. Click to view list.

Whichever way you use, ensure you are comparing the exact same coverages and limits for every company. If you compare different limits and deductibles on each one you will not be able to make an equal comparison.

Cut your insurance rates with these six discounts

Companies offering auto insurance don’t always advertise all their discounts very clearly, so here is a list some of the more common and also the lesser-known ways to save on insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Astro Cargo insurance with select insurance companies.
  • No Claims – Claim-free drivers pay much less when compared with frequent claim filers.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • College Student – Any of your kids living away from home attending college and don’t have a car can receive lower rates.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.

Insurance companies that may have some of the above discounts are:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts might not apply in every state.

You are unique and your insurance should be too

When choosing coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your situation could use an agent’s help.

  • Is my trailer covered?
  • Is a fancy paint job covered?
  • Can I afford low physical damage deductibles?
  • Why do I need rental car insurance?
  • Am I covered when driving on a suspended license?
  • 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, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Coverage specifics

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, damage from flooding, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Astro Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability insurance

This coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

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

Liability insurance covers claims like court costs, repair costs for stationary objects, bail bonds, medical services and loss of income. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision protection

Collision coverage covers damage to your Astro Cargo resulting 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 like sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like nursing services, rehabilitation expenses, funeral costs and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay