1999 Chevrolet C/K 1500 Series Insurance Rates – 8 Policy Discounts

Are you regretting the purchase of an expensive car insurance policy? Don’t sweat it because there are many consumers feeling the pinch from expensive car insurance.

Companies like Geico, Farmers Insurance and State Farm constantly bombard you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

Which auto insurance is cheapest?

Most major insurance companies such as 21st Century, Allstate and State Farm provide pricing directly from their websites. Obtaining pricing is possible for anyone as all you need to do is type in the coverages you want into the form. After the form is submitted, their system sends out for your driving and credit reports and returns a price quote based on the data you entered. Online quotes makes it simple to compare prices but the time required to go to many different websites and type in the same information is monotonous and tiresome. But it’s very important to compare as many rates as possible in order to get the lowest possible prices on auto insurance.

The smarter way to get multiple rate quotes uses one form to get prices from multiple companies. This type of form saves time, requires less work, and makes rate comparisons much easier. Once the form is submitted, your coverage is rated and you can choose your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process just takes a couple of minutes and you will find out if you’re overpaying now.

To find out how much you can save on auto insurance, simply click here to open in new window and enter your information. To compare your current rates, we recommend you input deductibles and limits as close as possible to your current policy. This makes sure you will have an apples-to-apples comparison for similar insurance coverage.

Auto Insurance Discounts

Car insurance companies do not advertise the complete list of policy discounts very clearly, so the following list contains a few of the more common and the harder-to-find ways to save on auto insurance.

• Memberships – Participating in a civic or occupational organization could qualify you for a break on your next renewal.
• Discounts for Federal Employees – Active or former government employment can save as much as 8% for C/K Series coverage with a few auto insurance companies.
• One Accident Forgiven – Not really a discount, but companies like Libery Mutual, Geico and Allstate permit an accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
• Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
• Driver Training Discounts – Taking a defensive driving course is a good idea and can lower rates if your company offers it.
• Military Rewards – Being deployed with a military unit could qualify you for better auto insurance rates.
• New Car Discount – Buying a new car instead of a used car is cheaper because new vehicles keep occupants safer.
• Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.

Please keep in mind that many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you could get a free auto insurance policy, that’s just not realistic.

The best auto insurance companies and some of their more popular discounts are:

• Progressive offers discounts for multi-vehicle, homeowner, multi-policy, online signing, continuous coverage, and good student.
• MetLife may have discounts that include good driver, multi-policy, defensive driver, good student, claim-free, accident-free
• Mercury Insurance policyholders can earn discounts including good student, multi-policy, location of vehicle, professional/association, type of vehicle, and low natural disaster claims.
• Nationwide has discounts for good student, Farm Bureau membership, multi-policy, easy pay, defensive driving, family plan, and business or organization.
• Geico may offer discounts for membership and employees, seat belt use, multi-vehicle, anti-theft, five-year accident-free, and defensive driver.
• AAA includes discounts for good student, AAA membership discount, education and occupation, pay-in-full, and multi-car.

If you want the cheapest insurance coverage quotes, ask every company to apply every possible discount. Savings might not apply in your area. For a list of insurers with the best discounts, click this link.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine whether your personal situation might need professional guidance.

• Does having multiple vehicles earn me a discount?
• What are the best liability limits?
• Where can I find DUI or SR-22 insurance?
• Do I need higher collision deductibles?
• Should I get collision insurance on every vehicle?
• Am I covered if I hit a deer?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage information

Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Liability car insurance – Liability insurance will cover damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as pain and suffering, court costs, funeral expenses, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1999 Chevy C/K 1500 Series.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as hospital visits, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage covers damage to your C/K 1500 Series resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. 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 increase the deductible to get cheaper collision coverage.

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, hitting a deer and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop. Compare. Save.

Lower-priced 1999 Chevy C/K 1500 Series insurance can be purchased both online and from local agencies, so you need to shop insurance coverage with both to have the best selection. There are still a few companies who do not offer online price quotes and usually these small insurance companies sell through independent agencies.

We just showed you many ways to lower your 1999 Chevy C/K 1500 Series insurance rates. The key concept to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance coverage comes from some of the smallest insurance companies. Some small companies often have lower car insurance rates on specific markets compared to the large companies like Progressive or Geico.

Additional insurance coverage information can be read at these links:

• Understanding Car Crashes Video (iihs.org)
• Child Safety FAQ (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)