How Much Does 1993 Chevrolet C/K 2500 Series Insurance Cost?

Trying to find lower auto insurance rates for your Chevrolet C/K 2500 Series? Wish you could get out of an underperforming, overpriced auto insurance policy? Say no more because you’re not alone. Companies like Allstate, Progressive and Geico constantly bombard you with ads and it can be hard to see through the deception and do the work needed to find the best deal.

If you have a current insurance policy or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Finding affordable coverage is quite easy. Consumers just need to know the most efficient way to compare price quotes over the internet.

Lower rate quotes with these discounts

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Certain credits will be shown when you complete an application, but a few need to be requested specifically before they will apply.

• Own a Home – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home means you have a higher level of financial diligence.
• Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote in comparison to drivers with a long claim history.
• Student Driver Training – Have your child successfully complete driver’s ed class as it can save substantially.
• Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Professional Organizations – Participating in a professional or civic organization may earn a discount on auto insurance.
• Military Rewards – Being deployed in the military can result in better prices.
• Auto/Home Discount – If you combine your homeowners and auto policies with the same insurance company they may give you a discount of 10% to 20% off each policy.
• Renewal Discounts – Select companies give a discount for switching companies prior to the expiration date on your current policy. The savings is around 10%.

We need to note that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you could get a free auto insurance policy, you won’t be that lucky.

The best auto insurance companies and some of their more popular discounts can be read below.

• Mercury Insurance has savings for good driver, good student, location of vehicle, accident-free, and anti-theft.
• Farmers Insurance offers discounts including electronic funds transfer, pay in full, distant student, mature driver, teen driver, good student, and business and professional.
• Farm Bureau discounts include renewal discount, good student, multi-vehicle, safe driver, multi-policy, driver training, and youthful driver.
• State Farm may offer discounts for anti-theft, defensive driving training, accident-free, good student, passive restraint, and driver’s education.
• Allstate offers discounts for anti-lock brakes, resident student, EZ pay plan discount, economy car, and auto/life discount.
• Geico may have discounts that include emergency military deployment, military active duty, anti-theft, multi-policy, membership and employees, and federal employee.

If you want cheaper car insurance quotes, ask all the companies which discounts they offer. Some discounts listed above might not be available to policyholders in your area. To find insurers who offer cheap auto insurance quotes, click this link.

Insurance coverage can be complex

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

• Should I have a commercial auto policy?
• When should I not file a claim?
• What is the rate difference between pleasure use and commuting?
• How much liability do I need to cover my assets?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

Are you falling for claims of savings?

Consumers can’t escape the ads that promise big savings for switching from companies such as Progressive, Allstate and Geico. They all seem to make an identical promise that people will save if you get a free car insurance quote and switch your insurance policy to them.

How does every insurance company give you a lower rate? It’s all in the words they use.

All companies give the cheapest rates for the right customer that will not have excessive claims. One example of this type of insured might have to be between the ages of 30 and 50, has no claims, and has a short commute. Any person who fits that profile will get low prices and will probably save when they switch companies.

Potential customers who fall short of the “perfect” profile may receive higher premium rates which leads to the customer not purchasing. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” save that much money. That’s why insurance companies can confidently make those claims. That is why you should get car insurance quotes as often as possible. Because you cannot predict which insurance company will have the best premium rates for your profile.

Insurance coverage basics

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

Collision insurance

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1993 Chevy C/K 2500 Series.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like prosthetic devices, surgery and doctor visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as medical services, loss of income, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, damage from getting keyed and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Shop smart and save

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability limits or collision coverage and learned later that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

We’ve covered a lot of tips how to compare 1993 Chevy C/K 2500 Series insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding low cost car insurance. Consumers may even find the lowest prices are with a small local company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Helpful resources

• Understanding your Policy (NAIC.org)
• Bodily Injury Coverage (Liberty Mutual)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Cellphones, Texting and Driving (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)