Lower Your 1991 Chevrolet C/K 1500 Series Insurance Rates

Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will help lower your insurance coverage premiums.

A list of insurance coverage companies and their offered discounts are:

• Progressive may include discounts for homeowner, online quote discount, multi-vehicle, good student, and continuous coverage.
• SAFECO includes discounts for drive less, bundle discounts, anti-theft, safe driver, and anti-lock brakes.
• American Family may offer discounts for good student, good driver, early bird, Steer into Savings, multi-vehicle, accident-free, and TimeAway discount.
• MetLife offers discounts including accident-free, good student, good driver, defensive driver, and claim-free.
• Geico has savings for good student, driver training, seat belt use, federal employee, anti-theft, and daytime running lights.
• The Hartford may have discounts that include vehicle fuel type, anti-theft, driver training, good student, defensive driver, and air bag.

When getting free insurance coverage quotes, it’s a good idea to each company to apply every possible discount. Some discounts may not be available in your area. To choose insurance coverage companies who offer online insurance coverage quotes, follow this link.

Buy car insurance online

All major car insurance companies provide prices for coverage direct online. This process is easy for anyone as all you need to do is type in the coverage amounts you desire into the quote form. After the form is submitted, the quote system sends out for reports for credit and driving violations and returns a price. Quoting online makes comparing rates easy, but having to visit several different sites and fill out multiple forms gets old quite quickly. But it’s very important to perform this step in order to find better car insurance pricing.

Rate comparisons made easy

A better way to find cheaper rates makes use of a single form to get prices from more than one company. The form is fast, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. Immediately after submitting the form, it gets priced with multiple companies and you can pick your choice of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and can result in significant savings.

To compare pricing, click here and complete the simple form. If you have your current policy handy, we recommend you complete the form with just like they are on your policy. Doing this guarantees you will have an apples-to-apples comparison based on identical coverages.

Tailor your auto insurance coverage to you

When buying coverage, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions can help discover if you may require specific advice.

• Are all vehicle passengers covered by medical payments coverage?
• Where can I get insurance after a DUI in my state?
• Am I covered if I hit a deer?
• Who is covered by my policy?
• If my pet gets injured in an accident are they covered?
• Do I get a pro-rated refund if I cancel my policy early?
• Do I have coverage if my license is suspended?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Understanding the coverages of auto insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages available from auto insurance companies.

Liability insurance – This provides protection from damage or injury you incur to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, attorney fees, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses for things like nursing services, pain medications, dental work and ambulance fees. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle, falling objects and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your 1991 Chevy C/K 1500 Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, scraping a guard rail, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

A penny earned…

Lower-priced car insurance can be found online and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some companies don’t offer internet price quotes and these small insurance companies only sell coverage through independent insurance agents.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. In many instances, someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

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• Where can I buy Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)