Compare 1994 Chevrolet C/K 1500 Series Insurance Quotes

I can’t think of a single person who likes having to buy car insurance, especially when they could lower their rates if they shopped around. Big companies like Geico and Progressive continually bombard you with catchy ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

If you have a policy now or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners just need to know the tricks to buy auto insurance on the web.

Car insurance quotes and discounts

Buying car insurance is not cheap, but there are discounts available that could help you make your next renewal payment. Some trigger automatically when you complete an application, but some may not be applied and must be specially asked for before you will receive the discount.

• Braking Control Discount – Cars with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Organization Discounts – Belonging to a qualifying organization could trigger savings on your policy.
• Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
• Online Discount – Some larger companies will give you a small discount for buying your policy on their website.
• Homeowners Pay Less – Being a homeowner may earn you a small savings because it shows financial diligence.

It’s important to understand that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

For a list of car insurance companies who offer cheap car insurance quotes, click here to view.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you may require specific advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my state a no-fault state?
• Is my 1994 Chevy C/K 1500 Series covered for flood damage?
• Do I pay less for low miles?
• Is my Chevy C/K 1500 Series covered if I use it for business?
• Should I bundle my homeowners policy with my auto?
• Does my insurance cover my expensive audio equipment?
• When does my teenage driver need to be added to my policy?
• What are the best liability limits?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Specifics of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Collision protection

Collision insurance covers damage to your C/K 1500 Series from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, rolling your car, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, dental work and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Auto liability insurance

This protects you from damage that occurs to a person or their property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like attorney fees, structural damage, loss of income and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, falling objects and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

A little work can save a LOT of money

We just showed you a lot of ways to compare 1994 Chevy C/K 1500 Series insurance premium rates online. The most important thing to understand is the more companies you get prices for, the higher your chance of finding cheaper insurance coverage. You may even find the lowest premium rates are with the smaller companies. They may only write in your state and offer lower prices compared to the large companies like Geico and State Farm.

Affordable 1994 Chevy C/K 1500 Series insurance is definitely available online and from local insurance agents, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. A few companies may not offer the ability to get quotes online and most of the time these small insurance companies only sell through local independent agents.

For more information, take a look at the articles below:

• Prom Night Tips for Teen Drivers (State Farm)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Airbag FAQ (iihs.org)