Purchasing affordable auto insurance on the web can be somewhat intimidating for comparing prices over the internet. With such a large number of insurers available, how are we expected to have time to compare every auto insurance company to find the best pricing?
It’s a good idea to compare premium rates every six months due to the fact that insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rates for C/K Series insurance last year the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.
Choosing the best insurance company for you is not that difficult. Basically, every vehicle owner who buys insurance will most likely be able to save money. But vehicle owners must understand the way insurance companies price insurance differently and take advantage of how the system works.
Some insurers don’t always list every discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find discounts that may be available. If you’re not getting every credit you qualify for, you’re paying more than you need to.
Don’t be surprised that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.
To see a list of providers that offer multiple discounts, follow this link.
All the larger insurance coverage companies such as State Farm and Allstate provide insurance quotes from their websites. Comparing rates online is possible for anyone as you simply type in into the quote form. Upon sending the form, their system orders your driving and credit reports and returns a price quote based on the information you submitted.
Being able to quote online makes it simple to compare prices but having to visit each company’s website and repetitively type in your information can get tiresome after awhile. But it’s very important to get many rate quotes if you want to find better insurance coverage pricing.
The easy way to compare rates
The preferred way to locate the lowest prices uses one simple form that gets prices from multiple companies. It’s a real time-saver, requires less work, and makes online price comparison much more efficient. After sending the form, it is quoted and you can choose any or none of the quotes returned. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.
In order to compare pricing, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you replicate just like they are on your policy. Doing this assures you are getting rate comparison quotes using the same coverage and limits.
When choosing coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.
These are some specific questions may help highlight if your insurance needs might need professional guidance.
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for dental work, prosthetic devices, EMT expenses and hospital visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Liability coverage
This provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.
Liability coverage protects against things like loss of income, bail bonds, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy C/K 3500 Series.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Collision insurance
This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for things like scraping a guard rail, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as fire damage, a broken windshield and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Consumers change insurance companies for any number of reasons including policy cancellation, questionable increases in premium, delays in responding to claim requests or even being labeled a high risk driver. It doesn’t matter what your reason, switching companies can be less work than you think.
As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There are many occasions where an insured cut liability limits or collision coverage only to regret that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.
We just presented a lot of ways to lower your 1993 Chevy C/K 3500 Series insurance prices. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest prices are with an unexpected company.
Johnetta Sanford
Well-written and thought out article. I live just outside Provo, UT. I got free prices from 21st Century, Amica, and some I forget for my 1993 Chevrolet C/K 3500 Series and saved $112 a year. Left MetLife to switch. Hardly afford to drive anymore.
Wanetta West
From a town just southwest of Milwaukee, Wisconsin. Quoted with 21st Century, Auto-Owners, Esurance, and The General for my Chevrolet and am saving around $110 a year. Insured with USAA before. I have a couple other vehicles on the policy. Only insure liability on my C/K 3500 Series.
Kymberly Russell
Located in Rutland, VT. I compared lots of rates. Saved roughly $20 a month. GEICO was the cheapest option for me. I have a couple other vehicles on the policy. I dropped full coverage awhile back.
Billye Alvarez
Corporate greed I’m telling you. Went with Farmers for my 1993 Chevrolet C/K 3500 Series and saved about $70 a year.
Graham Best
I got quite a few price quotes for a 1993 Chevrolet C/K 3500 Series in Biloxi, MS. Ended up at darn near $90 every six months with Auto-Owners. I recommend comparing lots of rates. I don’t insure for physical damage though.
Darla Mcmahon
I got quite a few price quotes for a 1993 Chevrolet C/K 3500 Series in Kansas City, Missouri. Ended up at darn near $120 every six months with American Family. Highly recommended.
Wilmer Richmond
In Grand Forks, ND try State Farm or Progressive. Both had decent prices.
Eula Rivera
Cheap car insurance? What’s that? Quoted with Eastwood for my C/K 3500 Series and saved about $100 a year. Ask about discounts. Next renewal I’ll just do liability.
Garnett Marshall
Liked the article. I’m in the suburbs of Kansas City, KS. Not sure of all the companies but I ended up saving about $20 each month. Was with Encompass. Just liability coverage since it’s getting old.
Chandra Medina
Lifelong resident of Seattle, Washington and for me Allstate had the lowest quote. Insured with Amica before. I just quoted rates online. I don’t put full coverage on it.
Kerrie Garza
I live just outside Charlotte, North Carolina. Went online for free insurance quotes for a 1993 Chevrolet C/K 3500 Series. Ended up at about $100 savings annually. Went with Progressive. Was with Hanover. I got a quote from their website.