Save on 1990 Chevrolet C/K 1500 Series Insurance Cost

Searching for cheaper insurance for a Chevy C/K 1500 Series could be an all-consuming task, but you can use our car insurance buying tips to find lower rates.

There is a better way to shop for car insurance so we’re going to tell you the absolute fastest way to quote coverages for your Chevy and get the lowest possible price from local insurance agents and online providers.

It is always a good idea to price shop coverage before your policy renews since insurance prices are constantly changing. Just because you had the best price on C/K Series insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the tricks you need to know to find great coverage at a great price.

Car insurance quotes comparison

Performing a rate comparison can be a daunting task if you aren’t aware of the most efficient way. You could spend your day talking about coverages with insurance companies in your area, or you could use the internet for quick rates.

All the larger companies enroll in a system where prospective buyers enter their coverage request one time, and every company returns a rated price determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

To compare pricing click here (opens in new window).

The one disadvantage to comparing rates this way is you can’t choose which insurance companies to receive prices from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare apples-to-apples information on every price quote you get. If you use different limits and deductibles on each one it will be next to impossible to get a fair rate comparison.

Discounts for cheaper insurance rates

Some insurers don’t always list every available discount in an easy-to-find place, so we took the time to find both well-publicized as well as some of the hidden discounts that you may qualify for. If you’re not getting every credit you deserve, you may be paying too high a price.

• Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Allstate and State Farm will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
• Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break when shopping for insurance.
• Cautious Drivers – Insureds without accidents may receive a discount up to 45% on C/K Series insurance than their less cautious counterparts.
• Multi-car Discount – Having multiple cars or trucks on one policy can get a discount on all vehicles.
• Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
• Include Life Insurance and Save – Some companies give a discount if you purchase some life insurance in addition to your auto policy.

Discounts lower rates, but most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Just because you may think you could get a free insurance policy, it’s just not the way it works.

A list of insurance companies and a partial list of their discounts are shown below.

• State Farm has discounts for Steer Clear safe driver discount, multiple policy, passive restraint, good driver, anti-theft, good student, and safe vehicle.
• Nationwide offers discounts including accident-free, multi-policy, business or organization, good student, anti-theft, defensive driving, and easy pay.
• Geico discounts include anti-theft, emergency military deployment, five-year accident-free, good student, daytime running lights, federal employee, and multi-vehicle.
• AAA offers discounts for good student, good driver, multi-policy, anti-theft, pay-in-full, AAA membership discount, and education and occupation.
• 21st Century offers premium reductions for homeowners, good student, air bags, theft prevention, driver training, and teen driver.
• The Hartford policyholders can earn discounts including anti-theft, defensive driver, bundle, vehicle fuel type, and driver training.

When comparing rates, check with every prospective company what discounts are available to you. Some discounts might not be offered on policies everywhere. To see a list of providers that offer multiple discounts, click this link.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Can my babysitter drive my car?
• How much liability do I need to cover my assets?
• Does coverage extend to a rental car in a foreign country?
• Can my teen drive my company car?
• How can I force my company to pay a claim?
• What happens if I owe more than my 1990 Chevy C/K 1500 Series is worth?
• Will my vehicle be repaired with OEM or aftermarket parts?
• When should I remove comp and collision on my 1990 Chevy C/K 1500 Series?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Auto insurance policy coverages for a 1990 Chevy C/K 1500 Series

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills for hospital visits, X-ray expenses and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy C/K 1500 Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, rock chips in glass, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – Liability insurance will cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like bail bonds, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage – Collision insurance covers damage to your C/K 1500 Series caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.