Looking for lower insurance rates for your Chevrolet C/K 1500 Series? Did a good deal turn into an underperforming, overpriced insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance policy.
With consumers having so many insurance providers from which to choose, it can be challenging to find the lowest price company.
Consumers should take time to shop coverage around at least once a year since insurance rates are usually higher with each renewal. Even if you think you had the lowest rate for C/K Series coverage last year you will most likely find a better price today. Forget all the misinformation about insurance because it’s time to teach you the only way to reduce your cost while increasing coverage.
Buying the best protection is easy if you know what you’re doing. Essentially anyone who is shopping for insurance coverage will be able to cut their insurance bill. But consumers should learn the methods companies use to compete online because it can help you find the best coverage.
Insuring your fleet can be pricey, but there may be some discounts that you may not even be aware of. Most are applied when you complete an application, but some may not be applied and must be asked for prior to getting the savings.
As is typical with insurance, most discounts do not apply the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
Large insurance coverage companies and the discounts they provide are shown below.
Before purchasing a policy, check with each company or agent which discounts they offer. Some discounts listed above might not be offered in your area.
The quickest method to compare policy rates is to take advantage of the fact most of the bigger providers participate in online systems to compare rate quotes. The only thing you need to do is provide information including how much coverage you want, if it has an anti-theft system, how many miles driven, and your job. That rating data is instantly sent to multiple top-rated companies and they return cost estimate very quickly.
To check rates for your car now, click here and complete the quick form.
Smart consumers have a good feel for the rating factors that come into play when calculating your policy premiums. If you have a feel for what determines base rates, this helps enable you to make changes that may reward you with lower premium levels.
Shown below are just a few of the factors used by companies to determine rates.
When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might help in determining whether you may require specific advice.
If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.
Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.
Liability auto insurance
This coverage protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability coverage protects against things like loss of income, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.
Comprehensive protection
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as vandalism, theft and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical expense coverage
Med pay and PIP coverage reimburse you for bills like pain medications, EMT expenses, nursing services and hospital visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Collision protection
This covers damage to your C/K 1500 Series resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.
Uninsured or underinsured coverage
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 1996 Chevy C/K 1500 Series.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.
We just covered many tips how you can lower your 1996 Chevy C/K 1500 Series insurance rates. It’s most important to understand that the more companies you get auto insurance rates for, the higher your chance of finding inexpensive insurance coverage. Consumers could even find that the biggest savings come from some of the smallest insurance companies. They can often provide lower auto insurance rates in certain areas compared to the large companies like Geico and State Farm.
Discount 1996 Chevy C/K 1500 Series insurance can be sourced online and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not have online price quotes and most of the time these smaller providers sell through local independent agencies.
When searching for the cheapest insurance coverage quotes, you should never buy poor coverage just to save money. There are too many instances where someone dropped full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the best possible price.
Much more information about car insurance can be read at these links:
Bonny Winters
GEICO is pretty cheap in Kentucky! :)
Keren Chang
Does Oklahoma have minimum liability requirements?
Clara Charles
I live just outside Portland, Maine. Quoted with Sentry, Eastwood, GEICO, and Auto-Owners for my 1996 Chevrolet C/K 1500 Series and saved $104 a year. Left AIG Insurance to switch. I’m a pretty low risk driver. They have free quotes online. Liability only on my Chevrolet.
Domenic Blevins
IT’S ALL TOO EXPENSIVE! I’m in the suburbs of Huntington, West Virginia. Received prices from State Farm, American Family, Farmers, and GMAC for my 1996 Chevrolet C/K 1500 Series and saved just over $100 a year. Even increased my liability limits. They offer free online rate quotes. I don’t insure for physical damage though.
Trinh Fox
Good detail in your article. Checking in from Cedar Rapids, IA. Not sure of all the companies but I ended up saving about $20 each month. Was with Safeco. I increased coverages a little too. Only insure liability on my C/K 1500 Series.
Kendall Leach
Anyone buy from Auto-Owners? I’m in Newark, NJ.
Daniela Bright
I found pretty cheap rate quotes for a 1996 Chevrolet C/K 1500 Series in Columbus, OH. Ended up at right around $120 every six months with AAA. I’m a pretty good driver though.
Reva Rollins
Got pretty cheap 1996 Chevrolet C/K 1500 Series insurance from Progressive in South Burlington, Vermont.
Gracia Barton
Need cheaper insurance rates for my teenage driver in Bismarck, ND!!
Ginette Avila
Will Progressive cancel if I have a claim?