Cheaper 1997 Chevrolet C/K 1500 Series Car Insurance Quotes

Searching for better auto insurance rates for your Chevrolet C/K 1500 Series? Trying to come up with a payment for overpriced auto insurance can drain your monthly budget and make it impossible to make ends meet. Doing a rate analysis is free and is an excellent way to lower your bills every month.

Due to the increasing number of different company options, it is very difficult to pick a more affordable insurance company.

Finding the best rates is not rocket science. If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. Nevertheless, drivers benefit from understanding the methods companies use to price online insurance because it can help you find the best coverage.

How to buy car insurance online

To find inexpensive insurance quotes, there are several ways to compare rate quotes from many car insurance companies in your state. The best method to comparison shop is to use the internet to compare rates. It is quite easy and can be accomplished by using one of the methods below.

1. The recommended way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for repetitive form entry for every company. One form will get you rate comparisons from multiple companies.
2. A more difficult way to compare prices is spending the time to visit each individual company website and complete a new quote form. For instance, we’ll assume you want to see prices from Nationwide, 21st Century and Progressive. In order to compare rates, you need to navigate to each company’s site and enter your policy data, and that’s why the first method is more popular.

   For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but do your best to enter nearly identical coverage limits and deductibles on every price quote you get. If each company quotes different values for each quote it will be nearly impossible to make a fair comparison for your Chevy C/K 1500 Series. Having just a slight variation in coverages can make a big difference in price. And when comparing car insurance rates, know that comparing a large number of companies helps locate a lower rate than you’re paying now.

Beware of misleading auto insurance ads

Companies like Progressive, Allstate and Geico endlessly run television, radio, and online ads. All the companies advertise the message that drivers will save a bundle just by switching your coverage. How is it plausible that every one can sell you cheaper insurance coverage? This is the trick they use.

Auto insurance companies quote their best rates for the driver that will be a good risk. For instance, this type of insured may be a female over age 40, carries high limits, and the vehicle is rated for pleasure use. Anybody who matches those parameters will most likely get cheap car insurance rates and will cut their rates substantially.

Potential customers who cannot meet the ideal profile may be forced to pay higher premiums with the end result being the customer buying from a different company. Company advertisements say “drivers that switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully make the claims of big savings. Because of the profiling, you absolutely need to get price quotes at each policy renewal. Because without a comparison, you cannot know which auto insurance company will fit you best based on your risk profile.

Discounts for affordable car insurance quotes

Companies that sell car insurance don’t necessarily list every disount available very clearly, so we researched some of the more common and also the lesser-known credits that may apply to you.

• Save over 55 – Seniors can possibly qualify for lower premium rates on C/K Series insurance.
• Good Student – Being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
• Distant Student – Kids who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Driving Data Discount – Drivers that enable their car insurance company to scrutinize their driving habits by using a telematic data system such as State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
• Defensive Driver Discounts – Completing a class that teaches defensive driving techniques could earn you a small percentage discount and easily pay for the cost of the class.
• Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are safer to drive and earn discounts up to 10%.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save 10% or more off the PIP or medical payment premium.
• Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
• Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease on C/K Series insurance depending on your company.

Remember that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies and a summarized list of policyholder discounts are detailed below.

• Farm Bureau may offer discounts for 55 and retired, safe driver, good student, driver training, multi-policy, youthful driver, and renewal discount.
• Liberty Mutual policyholders can earn discounts including newly married, hybrid vehicle, exclusive group savings, multi-car, new move discount, new graduate, and multi-policy.
• State Farm has savings for safe vehicle, multiple policy, multiple autos, good driver, passive restraint, and Drive Safe & Save.
• Auto-Owners Insurance discounts include air bags, anti-theft, company car, group or association, anti-lock brakes, and multi-policy.
• Geico has discounts for defensive driver, anti-theft, multi-vehicle, daytime running lights, emergency military deployment, and federal employee.
• SAFECO may have discounts that include safe driver, accident prevention training, multi-car, anti-theft, bundle discounts, and teen safe driver.

Before you buy a policy, ask every insurance company which discounts they offer. Some discounts may not apply in your area. If you would like to choose from a list of car insurance companies that offer discounts, click here.

You may need specialized insurance coverage coverage

When buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you might need an agent’s assistance.

• Should I buy more coverage than the required minimum liability coverage?
• Am I covered if I crash into my own garage door?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is covered by UM/UIM coverage?
• When should I buy a commercial auto policy?
• Will filing a claim cost me more?
• Exactly who is provided coverage by my policy?
• What is medical payments coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy C/K 1500 Series.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as rehabilitation expenses, dental work and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability coverages

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like funeral expenses, repair bills for other people’s vehicles, loss of income, medical expenses and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.

At the end of the day…

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In too many instances, consumers will sacrifice collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

Throughout this article, we presented a lot of techniques to get a better price on 1997 Chevy C/K 1500 Series insurance. It’s most important to understand that the more companies you get car insurance rates for, the higher your chance of finding inexpensive insurance. You may even find the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

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