1991 Chevrolet C/K 2500 Series Insurance Cost

Sick and tired of sacrificing to insure your Chevy every month? Your situation is no different than many other drivers.

People have so many insurance companies to pick from, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare rates and cut insurance costs.

Take policy discounts and save

Car insurance can be pricey, but there are discounts available that may help make it more affordable. Certain reductions will be credited when you get a quote, but less common discounts must be manually applied prior to getting the savings.

• Homeowners Discount – Just being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home requires personal responsibility.
• Defensive Driver Discounts – Successfully completing a safe driver course could cut 5% off your bill and easily pay for the cost of the class.
• Discounts for Multiple Vehicles – Buying a policy with all your vehicles with one company can reduce the rates for all insured vehicles.
• Anti-theft System – Cars and trucks with anti-theft systems are stolen less frequently so companies will give you a small discount.
• Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• Discount for Low Mileage – Driving fewer miles may allow you to get substantially lower car insurancerates.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride.

To choose insurers that provide some of the discounts listed above, click here to view.

Which policy gives me the best coverage?

When it comes to choosing coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if you might need professional guidance.

• Can I afford to buy a different vehicle if my 1991 Chevy C/K 2500 Series is totaled?
• Should I have a commercial auto policy?
• Is my 1991 Chevy C/K 2500 Series covered for flood damage?
• Are split liability limits better than a combined single limit?
• Why am I required to get a high-risk car insurance policy?
• When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Are insurance coverage companies telling the truth?

Popular insurance coverage providers such as Progressive, Geico, Allstate and State Farm continually stream television and radio advertisements. All the ads say the same thing of big savings if you move your policy. It sounds good, but how can they all have lower policy pricing? Just pay attention to how they say it.

Different companies quote their best rates for the type of driver that will add to their bottom line. One example of a profitable insured could be married and over the age of 30, has other policies, and drives a vehicle with a low ISO rating. A customer who fits that profile will get very good rates and will most likely pay quite a bit less when switching companies.

Potential customers who do not meet the ideal profile will see higher rates with the end result being the customer buying from someone else. The ads say “people that switch” but not “everyone who gets a quote” save that kind of money. This is how companies can claim big savings.

Different companies use different criteria so you really need to get as many free car insurance quotes as possible. It’s impossible to know the company that will have the lowest rates.

Insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, backing into a parked car, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like hospital visits, X-ray expenses, dental work, prosthetic devices and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hail damage and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This coverage can cover 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.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, structural damage and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

A penny saved is a penny earned

You just learned some good ideas how to lower your 1991 Chevy C/K 2500 Series insurance rates. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest rates are with an unexpected company. These smaller insurers may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. In many instances, an accident victim reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage for the lowest price, but do not skimp to save money.

More tips and info about insurance is located in the articles below:

• Shopping for a Safe Car (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• What is Gap Insurance? (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)