Paying for high-priced Chevrolet Astro Van insurance can consume your savings account and possibly require postponing other expenditures. Shopping your coverage around can help to ensure you are getting the best deal.
Due to the large number of options when it comes to auto insurance, it’s difficult to pick a more affordable auto insurance company.
Smart consumers take time to get comparison quotes on a regular basis because auto insurance prices trend upward over time. Despite the fact that you may have had the lowest rates on Astro van insurance a year ago you can probably find a better rate quote now. Forget all the misinformation about auto insurance because we’re going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.
Auto insurance rates and discounts
Car insurance companies don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of some of the more common in addition to some of the lesser obvious ways to save on auto insurance. If you check and find you aren’t receiving every discount possible, you are throwing money away.
- Driving Data Discount – Policyholders that allow their company to look at driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
- Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your .
- Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
- No Claim Discounts – Drivers who don’t have accidents can earn big discounts in comparison with bad drivers.
- Discount for Swiching Early – Some companies provide a discount for switching to them before your current coverage expires. You can save around 10% with this discount.
- Discount for Life Insurance – Select insurance companies reward you with a lower price if you buy auto and life insurance together.
- Low Mileage – Fewer annual miles on your Chevy could qualify for discounted rates on garaged vehicles.
- Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.
Remember that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
Companies and a selection of discounts are shown below.
- GEICO may offer discounts for anti-theft, daytime running lights, seat belt use, membership and employees, and anti-lock brakes.
- USAA has savings for good student, loyalty savings, vehicle storage, military installation, and safe driver.
- Progressive may have discounts that include multi-vehicle, continuous coverage, multi-policy, online quote discount, and good student.
- American Family may include discounts for air bags, early bird, good student, multi-vehicle, and mySafetyValet.
- Esurance has discounts for emergency road assistance, online quote, safety device, claim free, online shopper, defensive driver, and good student.
- Farmers Insurance discounts include distant student, bundle discounts, alternative fuel, business and professional, and switch companies.
- State Farm offers discounts including multiple policy, passive restraint, Steer Clear safe driver discount, anti-theft, defensive driving training, and driver’s education.
Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your area.
More comparisons equals lower rates
When shopping online for auto insurance, don’t be tempted to reduce coverage to reduce premium. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the lowest possible cost while still protecting your assets.
Cheaper Chevy Astro Van insurance can be purchased from both online companies in addition to local insurance agencies, and you need to price shop both to have the best selection. Some companies do not provide internet price quotes and many times these regional carriers prefer to sell through independent agents.
