Why It’s Easier to Buy Chevy Astro Van Insurance Online

Consumers have lots of choices when looking for low-cost Chevy Astro Van insurance. They can either spend hours contacting agents to compare prices or save time using the internet to compare rates.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the quickest way to get price quotes on a Chevy and locate the lowest price.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. This information will instruct you on the most effective way to quote insurance. Drivers just need to know the most effective way to shop for car insurance over the internet.

How to Buy Car Insurance Online

Finding cheaper Chevy Astro Van car insurance prices can be surprisingly simple. Just take a couple of minutes to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to find low rates would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate quotation requests for each company. In just a few minutes this one form will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to shop for car insurance online consists of going to the website for each individual company to complete a price quote. For example, let’s say you want comparison quotes from Liberty Mutual, Farmers and Allstate. You would have to go to every website to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The least recommended way to compare rates is to spend time driving to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the trained guidance that only a license agent can provide. Drivers can get prices online but still have the advice of a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverages and limits with every price quote. If you have different limits and deductibles on each one you will not be able to truly determine the lowest rate.

Save money by taking advantage of these discounts

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Most are applied when you quote, but lesser-known reductions have to be asked about before they will apply. If they aren’t giving you every credit possible, you are throwing money away.

Organization Discounts – Affiliation with a civic or occupational organization could trigger savings when shopping for car insurance on Astro van insurance.
Military Discounts – Having a deployed family member could be rewarded with lower premiums.
Distant Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will help reduce your premiums.

To choose providers with discount car insurance rates, click here.

Pieces of the Chevy Astro Van rate puzzle

An important part of buying insurance is that you know some of the elements that help determine car insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that could result in lower car insurance prices.

The following are some of the factors used by your company to calculate premiums.

Rate your vehicle for proper use – The higher the mileage driven each year the more you will pay for car insurance. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated Astro Van may be wasting your money. Verify your car insurance declarations sheet is showing the correct usage for each vehicle, because it can save money.
Little extras can really add up – There are a ton of additional coverages that you can buy on your Astro Van policy. Things like vanishing deductibles, towing coverage and term life insurance may be costing you every month. They may seem good when you first buy your policy, but if they’re wasting money remove them from your policy.
Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you. If your Chevy Astro Van scored better than four stars on Safercar.gov it may be receiving lower rates.
How your age affects price – Youthful drivers tend to be less responsible when driving so they pay higher car insurance rates. Having to add a teen driver to your policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
Multi-policy discounts can save money – The majority of companies give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. Consumers may find a better deal by splitting coverages up.

Your insurance agent down the street

Some consumers would rather talk to a local agent and that is just fine! Good agents can point out coverage gaps and give you peace of mind. The biggest benefit of comparing rates online is the fact that you can find the best rates and still have an agent to talk to. Supporting small agencies is especially important in small towns and cities.

To find an agent, once you fill out this quick form, your information is instantly submitted to local insurance agents who will battle for your business. You don’t have to leave your house as quotes are delivered immediately to your email address. It doesn’t get any easier!

Best insurance agency

When looking for a reliable agent, there are two types of agencies that you can select. Agents can either be independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s worth mentioning the differences because it can influence buying decisions.

Independent Agents

Independent agents are not locked into one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.

When comparing rates, we recommend you include price quotes from several independent insurance agents for maximum quote selection. They also have the ability to place coverage with smaller companies which may provide better rates.

Captive Agents

Captive insurance agents can only write with one company such as State Farm or Allstate. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. They are well schooled on the products they sell and that can be a competitive advantage. Consumers often purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

For a complete listing of car insurance agents, click here.

Picking a car insurance agent requires more thought than just a cheap price. These questions are important to ask:

Who are their largest clients?
Are they full-time agents?
How much will you save each year by using a higher deductible?
Do they regularly work with personal auto policies?
Will their companies depreciate repairs to your car based on the mileage?
Can they provide you with a list of referrals?

Upon getting acceptable answers to these questions and an affordable coverage quote, you have narrowed it down to an insurance agency that will service your policy.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs will benefit from professional help.

Does coverage extend to a rental car in a foreign country?
Should I buy only the required minimum liability coverage?
What are the best liability limits?
What if I don’t agree with a claim settlement offer?
Does my policy pay for OEM or aftermarket parts?
Why am I required to get a high-risk car insurance policy?
Should I file a claim if it’s only slightly more than my deductible?
What can I do if my company denied a claim?
What is covered by UM/UIM coverage?
What happens if I owe more than my Chevy Astro Van is worth?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. They all say the same thing about savings if you move to them.

How can each company make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that is profitable for them. A good example of a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and has great credit. A customer that hits that “sweet spot” receives the best rates and as a result will probably save when switching.

Potential customers who don’t meet this ideal profile must pay a more expensive rate which usually ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. This is how companies can state the savings.

This illustrates why drivers must get as many quotes as possible. It’s not possible to predict which car insurance company will provide you with the cheapest rates.

Smart consumers save more

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Insureds switch companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, policy cancellation or even high prices. Regardless of your reason for switching companies, switching companies can be pretty painless.

Affordable Chevy Astro Van insurance is available from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.