Comparing and finding low cost premium rates for insurance coverage can seem to be difficult for people new to online rate comparisons. People have so many companies to choose from that it can easily turn into a big hassle to find more affordable premium rates.
It’s a great practice to get comparison quotes yearly because prices are constantly changing. If you had the best rates for C/K Series coverage two years ago a different company probably has better rate quotes today. Block out anything you think you know about insurance coverage because we’re going to demonstrate the easiest way to get good coverage at a lower rate.
Finding the best rates is easy if you know what you’re doing. Just about every driver who is shopping for auto insurance most likely will be able to save money. But car owners must understand how insurance companies market on the web.
Auto insurance is expensive, but companies offer discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but some must be asked about in order for you to get them.
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.
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.
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.
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.
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.
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
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:
Earlie Hyde
I was with The General last year but switched to Allstate. From a town just southwest of Wilmington, DE.
Raymond Calderon
I think I’m paying too much. I’m just east of Wilmington, Delaware. Received prices from Mercury, Encompass, State Farm, and Auto-Owners for my C/K 2500 Series and I’m now saving $20 a month. Was with Auto-Owners. I got a quote from their website. Liability only on my Chevrolet.
Marion Gay
What are minimum liability limits required in Illinois?
Thora Walsh
Here’s my quote info. I’m in the west part of Providence, Rhode Island. I compared lots of rates. Saved roughly $10 a month. 21st Century was the most affordable for me. Wish I didn’t have to insure at all. I only have liability coverage on it.
Kaylene Martinez
I got quite a few price quotes for a 2000 Chevrolet C/K 2500 Series in Hartford, CT. Ended up at right around $80 every six months with Auto-Owners. Was with Eastwood. Thankfully I’m not a high risk driver. I used their online quote form to compare rates.
Doretha Hess
Hope my rates come down. I’m from Norfolk, VA. Went online for free insurance quotes for a 2000 Chevrolet C/K 2500 Series. Ended up at about $100 savings annually. Went with 21st Century. My C/K 2500 Series doesn’t have full coverage.
Sigrid Porter
Here’s my info. From south side of San Antonio, TX. Got quotes with 21st Century, Auto-Owners, Encompass, and Hanover for my 2000 Chevrolet C/K 2500 Series and I’m now saving $21 a month. Was with USAA. I recommend comparing lots of rates. Anyone else drop full coverage?
Myrtie Salas
21st Century was cheapest for my 2000 Chevrolet C/K 2500 Series in Allentown, Pennsylvania.
Sebrina Conway
In Biloxi, Mississippi, AAA had the best rates for my 2000 Chevrolet C/K 2500 Series. Was with Mercury. I just carry liability insurance.
Veronique Travis
Cheap is relative. Proud to be from Montgomery, AL. I quoted with Hartford, Amica, Sentry, and a couple others for my Chevrolet and saved $64 a year. Insured with The General before. Only insure liability on my C/K 2500 Series.
Zoe Burt
From north side of Anchorage, AK. Received rates from Allstate, American Family, Eastwood, and Hartford for my Chevrolet and I’m now saving $20 a month. Wish I didn’t have to insure at all. It’s too old for full coverage.
Marylouise Bradford
I live in a small town just outside of Omaha, NE. Received quotes with Allstate, Amica, Eastwood, and Hartford for my C/K 2500 Series and I think I saved about $10 each month. I get lower rates because of my clean driving record. Next renewal I’ll just do liability.
Vanda Butler
Nice info. From a town just southwest of Missoula, MT. I quoted with AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my C/K 2500 Series and I’m now saving $14 a month. Was with Sentry. BTW speeding tickets are not good. When should I drop full coverage?
Rafael Bradley
I live in San Diego, CA. Quoted a bunch of companies. Saved right around $10 a month. Allstate was the cheapest option for me. It was easy to get rates. I don’t have comp or collision coverage.
Francis Bonner
I’m just north of South Burlington, Vermont. I quoted with Progressive, The General, and Erie for my C/K 2500 Series and I think I am saving around $20 each month. Moved home policy as well. Wish I didn’t have to insure at all. My C/K 2500 Series doesn’t have full coverage.
Monte Perry
Lifelong resident of Rio Rancho, NM. Not sure of all the companies but I ended up saving about $20 each month. I don’t put full coverage on it.
Carmon Mcleod
Liked the article. I live on the east side of Providence, RI. Not sure of all the companies but I ended up saving about $20 each month. I don’t insure for physical damage though.