Cheapest 1990 Chevrolet Astro Cargo Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 26, 2023

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Trying to find cheaper insurance rates for your Chevrolet Astro Cargo? No one looks forward to buying insurance, especially knowing they are paying too much. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a company and get the definite lowest rate

Insurance Prices

Most companies like Allstate, GEICO and Progressive provide coverage prices on their websites. Obtaining pricing is fairly simple as you simply enter the amount of coverage you want into the quote form. Once you submit the form, their system gets your credit score and driving record and gives you a price quote determined by many factors. Online price quotes helps simplify price comparisons, but the time required to go to a lot of sites and complete many quote forms is repetitive and time-consuming. But it is imperative to get many rate quotes in order to get better insurance pricing.

There is a better way!

The smarter way to find cheaper rates requires only one form that analyzes rates from many companies. The form is fast, helps eliminate repetitive entry, and makes quoting online a little more enjoyable. As soon as the form is sent, it is quoted and you can select any one of the quotes returned. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and could lower your rates considerably.

To quickly compare rates using this form now, click here to open in new window and enter your information. If you have a policy now, it’s recommended you copy deductibles and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will get rate quotes for exact coverage.

Beware of misleading car insurance ads

Drivers get pounded daily by advertisements that promise big savings from companies such as Allstate, GEICO and Progressive. They all make an identical promise that you can save if you switch your policy.

But how can every company say the same thing? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that is profitable for them. For instance, a preferred risk might be over the age of 50, has no prior claims, and drives newer vehicles. A customer that hits that “sweet spot” will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who do not match the requirements must pay higher prices and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save money. This is how companies can advertise the savings. This illustrates why you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which company will have the lowest Chevy Astro Cargo insurance rates.

How to reduce Chevy Astro Cargo insurance rates

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we break down both well-publicized and also the lesser-known ways to save on car insurance. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Student Driver Training – Require your teen driver to complete a driver education course in high school.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company could earn a price break for each car.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Astro Cargo insurance than drivers with accidents.
  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Claim Free – Claim-free drivers can save substantially as compared to bad drivers.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

To see a list of providers who offer car insurance discounts, click this link.

Tailor your coverage to you

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • What is no-fault insurance?
  • Is my 1990 Chevy Astro Cargo covered for smoke damage?
  • Does coverage extend to my business vehicle?
  • Do I need motor club coverage?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

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Specifics of your insurance policy

Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like dental work, funeral costs and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects, a broken windshield and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision coverage will pay to fix damage to your Astro Cargo from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.


Liability insurance will cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like structural damage, medical services, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a penny pincher

Throughout this article, we presented some good ideas how you can save on 1990 Chevy Astro Cargo insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest priced car insurance comes from some of the lesser-known companies. They may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

The cheapest insurance is available both online as well as from independent agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

For more information, take a look at the resources below:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance rates for a 1990 Chevrolet Astro Cargo?

To find the cheapest insurance rates for a 1990 Chevrolet Astro Cargo, consider the following steps:

  • Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options.
  • Maintain a good driving record: Safe driving habits can help you qualify for lower insurance rates. Avoid accidents and traffic violations to keep your record clean.
  • Choose higher deductibles: Opting for higher deductibles can lower your premiums, but remember that you’ll need to pay the deductible amount out of pocket if you file a claim.
  • Inquire about discounts: Ask insurance companies about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your vehicle.
  • Consider usage-based insurance: Some insurance companies offer usage-based insurance programs that track your driving behavior. If you have low mileage or safe driving habits, this can potentially result in lower premiums.

What factors can affect the insurance rates for a 1990 Chevrolet Astro Cargo?

Several factors can influence the insurance rates for a 1990 Chevrolet Astro Cargo, including:

  • Age and condition of the vehicle: Older vehicles like the 1990 Chevrolet Astro Cargo may have lower values, which can affect insurance rates.
  • Location: Your location can impact insurance rates, as areas with higher rates of accidents or theft may have higher premiums.
  • Driving record: Your driving history, including accidents and traffic violations, can affect the cost of your insurance.
  • Usage: How you use the vehicle, such as for personal or commercial purposes, can influence insurance rates.
  • Coverage options: The coverage options you choose, such as liability-only or full coverage, will impact your insurance rates.
  • Insurance company: Each insurance company has its own rating methodology, discounts, and pricing, so rates can vary between insurers.

Are there any specific insurance companies known for offering cheap rates for a 1990 Chevrolet Astro Cargo?

While insurance rates can vary depending on individual factors, some insurance companies known for offering competitive rates for older vehicles like the 1990 Chevrolet Astro Cargo include Geico, Progressive, State Farm, and Allstate. However, it’s important to compare quotes from multiple insurers to find the best rates for your specific circumstances.

Can I get commercial auto insurance for a 1990 Chevrolet Astro Cargo?

Yes, you can obtain commercial auto insurance for a 1990 Chevrolet Astro Cargo if you use the vehicle for business purposes. Commercial auto insurance provides coverage for vehicles used for business activities, such as deliveries or transporting goods. It’s important to inform your insurance company about the commercial use of your vehicle to ensure you have the appropriate coverage.

Are there any specific maintenance or safety features that can help lower insurance rates for a 1990 Chevrolet Astro Cargo?

While a 1990 Chevrolet Astro Cargo may not have the advanced safety features found in newer vehicles, there are still some maintenance and safety features that can potentially lower insurance rates, including:

  • Regular maintenance: Keeping your vehicle well-maintained and up to date with service intervals can help reduce the risk of mechanical failures that may lead to accidents.
  • Anti-theft devices: Installing anti-theft devices such as alarms or immobilizers can help prevent theft and may qualify you for a discount on your insurance premiums.
  • Defensive driving course: Completing a defensive driving course can demonstrate your commitment to safe driving and may make you eligible for a discount from some insurance companies.

Can I reduce coverage on a 1990 Chevrolet Astro Cargo to save on insurance costs?

Reducing coverage on a 1990 Chevrolet Astro Cargo is an option to save on insurance costs, but it’s important to carefully consider the implications before making any changes. Here are a few points to consider:

  • Liability coverage: It is generally not recommended to reduce liability coverage, as this protects you financially if you cause an accident that results in property damage or injury to others.
  • Collision and comprehensive coverage: If the value of your 1990 Chevrolet Astro Cargo is low, you may consider reducing or removing collision and comprehensive coverage. However, keep in mind that doing so means you won’t be covered for damages to your own vehicle in the event of an accident, theft, or other covered incidents.
  • Financial risk: Before making any changes to your coverage, assess your financial situation and determine how much risk you’re willing to assume. Consider the potential cost of repairing or replacing your vehicle without insurance coverage.

Can I insure a modified 1990 Chevrolet Astro Cargo?

Insuring a modified 1990 Chevrolet Astro Cargo may be possible, but it can vary depending on the modifications made to the vehicle. Some insurance companies may have restrictions or limitations on insuring heavily modified vehicles, while others may offer specific coverage options for modified cars. It’s important to inform your insurance company about any modifications to your 1990 Chevrolet Astro Cargo and inquire about their policies regarding coverage for modified vehicles.

What are some additional factors to consider when insuring a 1990 Chevrolet Astro Cargo?

When insuring a 1990 Chevrolet Astro Cargo, there are a few additional factors to consider:

  • Usage: If you use the vehicle for commercial purposes, such as deliveries or transporting goods, you may need commercial auto insurance instead of personal auto insurance.
  • Annual mileage: Your annual mileage can impact insurance rates. If you have low mileage on your 1990 Chevrolet Astro Cargo, you may be eligible for lower premiums.
  • Agreed value coverage: For classic or older vehicles like the 1990 Chevrolet Astro Cargo, you may consider agreed value coverage, which ensures that you receive a predetermined amount in the event of a total loss, rather than the actual cash value of the vehicle.

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