1999 Chevrolet Astro Cargo Insurance Quotes – 8 Policy Discounts

Nobody I know likes paying for auto insurance, especially when the price is too high.

There is such a variety of car insurance companies to choose from, and although it’s a good thing to have a choice, it makes it harder to find the best rates for your vehicles.

How to Compare Car Insurance Costs

Comparing car insurance rates is a ton of work if you don’t know the most efficient way. You could waste a few hours driving to local insurance agents in your area, or you could use the web to maximize your effort.

Most of the larger companies take part in a program that allows shoppers to submit their information once, and each company can give them a price for coverage. This eliminates the need for quote forms to each individual car insurance company.

To find out how much you can save on car insurance click to open in new window.

The single downside to using this type of form is you can’t choose which carriers you want pricing from. So if you prefer to choose individual companies to request quotes from, we have a listing of car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverage limits and deductibles for every quote you compare. If you compare differing limits it’s not possible to make an equal comparison. Just a small difference in limits may result in large price differences. And when comparing car insurance rates, know that getting more free quotes provides better odds of finding the best price.

How much can you save with these eight discounts?

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but some must be specially asked for before they will apply.

  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Astro Cargo coverage than drivers with accident claims.
  • Senior Discount – Mature drivers may be able to get a discount up to 10% for Astro Cargo coverage.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Multiple Cars – Having all your vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Homeowners Pay Less – Being a homeowner may trigger a insurance coverage policy discount because owning a home demonstrates responsibility.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy can qualify you for a substantially lower rate.
  • Paperless Signup – Certain companies will give a small break simply for signing over the internet.

It’s important to note that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will bring down your premiums.

To see a list of providers with discount insurance coverage rates, click here to view.

How much car insurance do I need?

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out if your situation would benefit from professional advice.

  • Exactly who is provided coverage by my policy?
  • When should my teen driver be added to my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I crash into my own garage door?
  • Are there companies who specialize in insuring high-risk drivers?
  • What happens if I owe more than my 1999 Chevy Astro Cargo is worth?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as X-ray expenses, dental work, surgery and hospital visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Astro Cargo.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Liability car insurance – This coverage can cover damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means 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. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like attorney fees, funeral expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like theft, a broken windshield, damage from a tornado or hurricane and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.