1990 Chevrolet C/K 2500 Series Car Insurance Quotes – 5 Ways to Save

If price shopping insurance coverage quotes online is new to you, it’s easy to be bewildered by the vast assortment of insurance providers competing for business.

You should make it a habit to check auto insurance prices before your next renewal since insurance prices are constantly changing. Just because you had the lowest rate for C/K Series insurance at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best methods to reduce your cost while improving coverage.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this strategy. Finding the lowest cost insurance can be fairly easy. Nevertheless, consumers do need to know how companies price online insurance.

Ways to get car insurance quotes

All the larger car insurance companies allow you to get insurance quotes on their websites. Comparing prices online is quite easy as you just enter the amount of coverage you want into a form. After the form is submitted, the quote system orders information on your driving record and credit history and generates pricing information based on these and other factors.

Online price estimates simplifies rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. But it’s also necessary to perform this step in order to get better car insurance pricing.

There is a better way to compare rates

An easier way to compare car insurance pricing utilizes a single form that obtains quotes from several different companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. As soon as you send your information, it is quoted with multiple companies and you can pick any or none of the price quotes you receive. If you find a better price you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To save time and use this form to compare rates, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you enter the coverage information as shown on your current policy. This helps ensure you will be getting rate quotes for exact coverage.

Is there truth in advertising?

Progressive, Allstate and Geico regularly use television and radio advertisements. All the companies say the same thing of big savings just by moving your policy. That’s great but how can every company say the same thing?

All companies can use profiling for the driver that will not have excessive claims. For instance, a profitable risk profile may be between the ages of 30 and 50, has no prior claims, and drives a car with an anti-theft system. Anyone that hits that “sweet spot” will probably get the lowest prices and will save some money.

Insureds who cannot meet the requirements may be required to pay a more expensive rate which usually ends up with the customer not purchasing. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” save that kind of money. That is how companies can truthfully make those statements. Different companies use different criteria so you really should get insurance coverage quotes as often as possible. It is impossible to guess with any certainty which company will have the lowest rates.

Lower rate quotes with these five discounts

Auto insurance is not an enjoyable expense, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but some discounts are required to be inquired about in order for you to get them.

• Save with a New Car – Putting coverage on a new car is cheaper due to better safety requirements for newer vehicles.
• Early Payment Discounts – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
• Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for C/K Series insurance with certain companies.
• Accident Waiver – This one is not really a discount per se, but companies like Progressive, Allstate, and Geico will let one accident slide before they charge you more for coverage if your claims history is clear for a set time period.
• Homeowners Discount – Owning a house can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.

Consumers should know that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

Large auto insurance companies and some of the discounts are outlined below.

• State Farm policyholders can earn discounts including safe vehicle, student away at school, multiple policy, good driver, Steer Clear safe driver discount, defensive driving training, and anti-theft.
• Nationwide offers premium reductions for good student, family plan, multi-policy, business or organization, anti-theft, and accident-free.
• Geico has discounts for emergency military deployment, federal employee, membership and employees, driver training, military active duty, seat belt use, and defensive driver.
• AAA may offer discounts for AAA membership discount, education and occupation, anti-theft, pay-in-full, good student, multi-policy, and good driver.
• 21st Century offers discounts including automatic seat belts, good student, driver training, air bags, anti-lock brakes, and teen driver.
• The Hartford includes discounts for anti-theft, air bag, vehicle fuel type, defensive driver, bundle, and driver training.

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier might not apply in your state. To view insurance companies offering auto insurance discounts, click here to view.

What is the best auto insurance coverage?

When buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique.

These are some specific questions could help you determine whether you may require specific advice.

• Are rock chip repairs covered?
• Does my policy pay for OEM or aftermarket parts?
• Am I covered if I wreck a rental car?
• I have good health insurance, so how much medical payments coverage do I need?
• Can I rent a car in Mexico?
• If my pet gets injured in an accident are they covered?
• How can I get high-risk coverage after a DUI?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage information

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like surgery, prosthetic devices, chiropractic care and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. 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. PIP is only offered in select states and may carry a deductible

Collision coverage – Collision coverage covers damage to your C/K 2500 Series resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Liability coverage – Liability coverage provides protection from damage or injury you incur to people or other property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, pain and suffering, medical expenses, legal defense fees and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, hitting a deer, damage from flooding, damage from a tornado or hurricane and hitting a bird. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

You just read a lot of information how to shop for 1990 Chevy C/K 2500 Series insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with a smaller regional carrier.

Lower-priced car insurance is available from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not provide price quotes online and usually these regional carriers provide coverage only through local independent agencies.

When getting insurance coverage quotes online, never buy poor coverage just to save money. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at the best possible price.

To learn more, link through to the following helpful articles:

• Side Impact Crash Tests (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• Choosing an Insurance Company (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)