Cheaper 1993 Chevrolet C/K 1500 Series Car Insurance Cost

Want lower auto insurance rates for your Chevrolet C/K 1500 Series? Are you intimidated by the dozens of auto insurance providers in your area? Lot’s of other drivers are too. Consumers have such a vast assortment of providers available that it is a difficult situation to find the best prices.

Consumers need to get comparison quotes quite often because auto insurance rates fluctuate regularly. Even if you think you had the best premium rates for C/K Series insurance six months ago the chances are good that you can find a lower price today. There is too much inaccurate information about auto insurance out there, but you can learn some proven techniques to slash your auto insurance rates.

Learn how to quote insurance coverage cheaper

Smart consumers have a good feel for the rating factors that are used to determine the price you pay for insurance coverage. If you have a feel for what determines base rates, this enables informed choices that may reward you with lower insurance coverage prices. Multiple criteria are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other criteria are more obscure like where you live or your financial responsibility.

• Proper usage rating affects rates – The more miles you rack up on your Chevy each year the higher the price you pay to insure it. A lot of insurance companies rate vehicles based on their usage. Autos that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. Verify your vehicle rating is showing the correct usage for each vehicle, because it can save money. A policy that improperly rates your C/K 1500 Series is just wasting money.
• Prevent theft and save – Selecting a car model with anti-theft technology or alarm system can help lower your premiums. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft and help lower rates.
• Liability protection is critical – The liability section of your policy kicks in if ever a court rules you are at fault for damages from an accident. Your liability coverage provides for a legal defense starting from day one. It is affordable coverage compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• Safer cars mean better premiums – Cars with five star safety ratings tend to be cheaper to insure. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and cheaper rates on your policy.

First Step: Get free insurance quotes

There are several ways to compare insurance quotes, but there is one way that is less labor-intensive and much quicker. You could waste a few hours driving to insurance companies in your area, or you could save time and use online quotes to get the quickest rates.

Most major companies take part in a program that enables customers to submit one quote, and every company returns a rated price based on that information. This saves time by eliminating quotation requests to each company.

To use this form to compare rates click here to open in new window.

The single downside to comparing rates this way is you don’t know exactly the insurers you want to price. So if you want to choose specific insurance companies for rate comparison, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, be sure you’re using nearly identical deductibles and coverage limits for every quote you compare. If you compare different limits and deductibles on each one you will not be able to decipher which rate is best. Quoting even small variations in coverages may result in large price differences. Just remember that more quotes gives you a better chance of getting more affordable insurance.

Tricks in car insurance advertising

Companies like State Farm, Geico and Progressive constantly bombard you with ads in print and on television. They all try to convey promises of big savings just by switching to them. It sounds good, but how can they all lower your prices? This is the way they can do it.

All the different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a profitable risk profile might have to be over the age of 45, has no prior claims, and does not commute to work. Any new insured who matches those parameters receive the lowest rate quotes and as a result will probably cut their rates substantially.

Potential customers who are not a match for these stringent criteria may be forced to pay a more expensive rate which usually ends up with the customer not buying. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can make claims that they all have the best premium rates.

Because of these techniques, drivers should do a quote comparison often. It is impossible to guess which car insurance company will have the best auto insurance rates at this point in time.

Car insurance policy discounts you can’t miss

Car insurance is not inexpensive, but there are discounts available that may help make it more affordable. Some of these disounts will be visible when you quote, but some need to be specifically requested before they will apply.

• Telematics Devices – Drivers who agree to allow their car insurance company to look at when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they have good driving habits.
• Lower Rates for Military – Having a deployed family member could be rewarded with lower prices.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars or trucks on a single policy qualifies for this discount.
• Senior Citizens – Seniors could receive a small decrease in premiums for C/K Series insurance.
• First Accident Forgiveness – Not a discount per se, but some companies like Liberty Mutual and Geico will let one accident slide without raising rates if you have no claims for a specific time period.
• No Accidents – Good drivers with no accidents get the best car insurance rates when compared to insureds who have frequent claims or accidents.
• Bundle and Save – When you have multiple policies and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
• Paperless Signup – Some companies provide a small discount for signing up on the internet.
• Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
• ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. Even though it appears you could get a free car insurance policy, nobody gets a free ride. Any qualifying discounts should help lower the amount you pay for coverage.

Some of the larger companies that may offer these discounts include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

If you need lower rates, check with every company which discounts you may be entitled to. Some discounts listed above may not be offered in every state.

Insurance agents can help

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

• Am I covered by my spouse’s policy after a separation?
• What is no-fault insurance?
• When should I not file a claim?
• When can I cancel my policy?
• When do I need to add a new car to my policy?
• What can I do if my company won’t pay a claim?
• Where can I get insurance after a DUI in my state?
• Does my liability insurance cover pulling a trailer or camper?
• How much liability insurance is required?
• How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance 101

Understanding the coverages of a car insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, hail damage, vandalism and theft. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your C/K 1500 Series caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, sustaining damage from a pot hole, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverage

This coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of 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 liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, medical expenses, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 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. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as chiropractic care, prosthetic devices, EMT expenses, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. 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. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Have the Midas touch

Affordable 1993 Chevy C/K 1500 Series insurance is possible on the web and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and many times these small, regional companies work with independent insurance agents.

In this article, we covered a lot of tips how to lower your 1993 Chevy C/K 1500 Series insurance premium rates. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding the cheapest insurance coverage. Drivers may discover the lowest premium rates come from the least-expected company.

Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, policy cancellation and even policy non-renewal. It doesn’t matter why you want to switch finding a new insurance company is pretty easy and you might even save some money in the process.

For more information, link through to the resources below:

• Crash Avoidance Technologies FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)