Save on 1990 Chevrolet C/K 1500 Series Car Insurance Rates

Finding lower-cost insurance coverage online can be intimidating for vehicle owners not familiar with comparing rates and buying insurance coverage over the internet. With such a large choice of online companies available, how can you effectively compare every company in order to find better insurance coverage prices?

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Pricing the lowest cost auto insurance can be fairly easy. But consumers must know the way companies market insurance on the web and use this information to your advantage.

Ways to get auto insurance quotes

Effectively comparing auto insurance prices can be a daunting task if you don’t understand the most efficient way to do it. You can waste hours talking to insurance agencies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most major companies are enrolled in a marketplace where prospective buyers submit their information once, and every company can give them a price based on that information. This eliminates the need for repetitive form submissions for every auto insurance company.

To get comparison pricing now click here (opens in new window).

The only drawback to doing it this way is that consumers can’t choose the companies to receive prices from. If you would rather choose individual companies for rate comparison, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just try to keep apples-to-apples coverages with each company. If you are comparing different deductibles you will not be able to make an equal comparison. Even a minor difference in insurance coverages or limits may result in a large different in cost. Just remember that comparing a large number of companies will improve the odds of getting a better price.

You may qualify for discounts

Insurance coverage is not inexpensive, but you might be missing out on some discounts that may help make it more affordable. Certain credits will be shown when you get a quote, but some may not be applied and must be inquired about before they will apply.

• Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction on C/K Series insurance with a few insurance coverage companies.
• Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
• Defensive Driver – Passing a course teaching safe driver skills could save 5% or more if your company offers it.
• Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
• One Accident Forgiven – Not a discount per se, but companies like Geico, Progressive, and Allstate will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
• Renewal Discounts – A few companies allow discounts for switching companies early. This can save 10% or more.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any amount of discount will lower your overall bill.

Auto insurance companies that may offer these money-saving discounts may include but are not limited to:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

Double check with each company what discounts are available to you. All car insurance discounts might not apply in your state. To see a list of providers who offer online insurance coverage quotes, follow this link.

There’s no such thing as the perfect insurance coverage policy

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether you would benefit from an agent’s advice.

• Is my trailer covered?
• Is my Chevy C/K 1500 Series covered if I use it for business?
• Do I really need UM/UIM coverage?
• When would I need additional glass coverage?
• How much liability coverage do I need in my state?
• How many claims can I have before being cancelled?
• Is a blown tire covered by insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage options for a Chevy C/K 1500 Series

Learning about specific coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, hitting a deer, theft and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Chevy C/K 1500 Series.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

Collision coverage will pay to fix damage to your C/K 1500 Series from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability coverages

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical services, emergency aid, pain and suffering, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like dental work, pain medications, funeral costs, nursing services and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible