Compare 2000 Chevrolet C/K 2500 Series Car Insurance Rates

Remember that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.

A few of the larger companies and some of the premium reductions they offer are outlined below.

• Farm Bureau discounts include 55 and retired, good student, multi-vehicle, multi-policy, youthful driver, and safe driver.
• MetLife offers premium reductions for accident-free, defensive driver, claim-free, multi-policy, good student, good driver
• Progressive may offer discounts for continuous coverage, multi-policy, online signing, multi-vehicle, and online quote discount.
• AAA offers discounts including AAA membership discount, good driver, multi-car, anti-theft, good student, pay-in-full, and education and occupation.
• American Family may include discounts for bundled insurance, early bird, good driver, air bags, multi-vehicle, defensive driver, and accident-free.
• Geico may have discounts that include five-year accident-free, multi-policy, driver training, military active duty, multi-vehicle, and good student.
• State Farm policyholders can earn discounts including defensive driving training, passive restraint, good student, anti-theft, Steer Clear safe driver discount, driver’s education, and safe vehicle.

If you need affordable insurance quotes, ask all the companies the best way to save money. A few discounts may not be offered in every state. To choose providers with discount auto insurance rates, click here to view.

Car insurance can get complicated

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

• Am I covered when using my vehicle for business?
• Do I really need UM/UIM coverage?
• Am I covered if I drive in a foreign country?
• Do I have coverage when pulling a U-Haul trailer?
• How much liability coverage do I need in my state?
• Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Truth in insurance coverage advertising

Respected companies like State Farm, Allstate and Geico regularly use television and radio advertisements. All the ads say the same thing about how much you will save just by switching your coverage. How is it possible that every company can cost less than your current company? This is the way they can do it.

Insurance coverage companies have specific characteristics for the driver that will not have excessive claims. For instance, this type of insured should be over the age of 45, has a low-risk occupation, and drives less than 5,000 miles a year. Any person who matches that profile will most likely get cheap rates and will probably save quite a bit of money when switching.

People who fall outside those standards will see a higher rate which translates to the customer not buying. The ads say “customers that switch” but not “everyone who gets a quote” save that much when switching. That’s the way companies can lure you into getting a quote. This really illustrates why it is so important to compare quotes as often as possible. It is just not possible to predict which insurance companies will be your best fit.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy C/K 2500 Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverage

This protects you from injuries or damage you cause to other’s property or people. It 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 for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things like emergency aid, legal defense fees and court costs. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from getting keyed, fire damage and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

This covers damage to your C/K 2500 Series resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as surgery, ambulance fees and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Power to the consumer

People who switch companies do it for any number of reasons including high prices, high rates after DUI convictions, delays in paying claims and unfair underwriting practices. It doesn’t matter what your reason, finding a new car insurance company can be easier than you think.

When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.

You just learned a lot of ways to reduce 2000 Chevy C/K 2500 Series insurance premium rates online. It’s most important to understand that the more you quote insurance, the higher the chance of saving money. Consumers could even find that the most savings is with the smaller companies.

Additional information is available at these links:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Understanding Limits and Deductibles (Allstate)