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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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
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.
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.
Johnie Pennington
It’s all a rip off. Live in the eastern part of Gulfport, MS. I quoted with GEICO, Farmers, and Hanover for my 1997 Chevrolet C/K 1500 Series and I think I am saving around $20 each month. Ask about discounts. I just carry liability insurance.
Albertha Solomon
What is comprehensive coverage?
Marvin Dorsey
All companies are crooks. Checking in from Evansville, IN. I quoted with State Farm, Amica, Erie, and Hanover for my 1997 Chevrolet C/K 1500 Series and am saving around $70 a year. Insured with Hartford before. BTW speeding tickets are not good.
Kimberli Lee
I’m in the suburbs of Aberdeen, SD. Got quotes from American Family, Encompass, and Nationwide for my Chevrolet and am saving around $80 a year. I don’t insure for physical damage though.
Lorriane Blankenship
Mine is so expensive. I live just outside Mesa, AZ. Quoted quotes from American Family, Sentry, and some smaller one I can’t remember the name of for my Chevrolet and I think I saved around $20 each month. BTW speeding tickets are not good. I got prices on the web.
Sanjuana Butler
I live just outside Los Angeles, California. I got free quotes with Liberty Mutual, AAA, MetLife, and a couple others for my 1997 Chevrolet C/K 1500 Series and saved just over $60 a year. Just liability coverage since it’s getting old.
Rina Orr
I live on the east side of Green Bay, WI. Received quotes with AAA, Nationwide, and USAA for my C/K 1500 Series and I think I saved about $20 each month. Good savings if you bundle. When should I drop full coverage?
Alpha Clayton
Live in the western part of Cincinnati, OH. Got rates from GMAC, AAA, Mercury, and a couple others for my Chevrolet and saved around $80 a year. I even had a DUI years ago. Are quotes cheaper online?
Meghan Bentley
I went with Allstate at renewal. Best rates in Allentown, PA. Good savings if you bundle. Not sure if rates are cheaper online or not. Book value doesn’t justify full coverage anymore.
Toshia Roach
Need cheaper insurance rates for my teenage driver in Las Vegas, Nevada!!
Annabelle Navarro
I compared a lot of rate quotes for a 1997 Chevrolet C/K 1500 Series in Concord, NH. Ended up at darn near $90 every six months with AIG Insurance. It’s easy to compare rates online now.
Karlyn Jimenez
Here’s my quote info. Live in Nashua, New Hampshire. Got car insurance quotes from AAA, Safeco, and a few others for my 1997 Chevrolet C/K 1500 Series and am saving around $70 a year. Even increased coverage a bit. Not sure if rates are cheaper online or not. Full coverage costs too much.
Gwyneth Ayers
Affordable car insurance is a myth. I live just outside Lexington, KY. Quoted rates from Amica, Encompass, and Nationwide for my Chevrolet and saved just over $100 a year. I don’t put full coverage on it.
Emmett Underwood
Will GEICO raise rates for a small claim?