1993 Chevrolet C/K 1500 Series Insurance Cost – 5 Policy Discounts

Did a good deal turn into high-priced insurance coverage? Trust us, there are many drivers thinking the same thing. Big-name insurance companies like State Farm, Progressive and Geico promote their brand names with TV and radio ads and it can be hard to see past the geckos and flying pigs and find the best price available.

Verify you’re applying every discount

Car insurance companies don’t necessarily list every discount very well, so the following is a list of a few of the more common and also the more inconspicuous auto insurance savings.

  • Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • New Vehicle Savings – Buying a new car model may earn a small discount since new vehicles have better safety ratings.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better auto insurance rates on C/K Series coverage.
  • Responsible Driver Discount – Insureds without accidents can save as much as half off their rates on C/K Series coverage than drivers with accident claims.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in high school.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you’re out of luck. But all discounts will positively reduce your auto insurance premiums.

Companies and their offered discounts are included below.

  • Farm Bureau policyholders can earn discounts including good student, multi-policy, driver training, multi-vehicle, youthful driver, 55 and retired, and safe driver.
  • Liberty Mutual discounts include hybrid vehicle, multi-policy, newly married, new vehicle discount, newly retired, and preferred payment discount.
  • State Farm may offer discounts for safe vehicle, defensive driving training, Steer Clear safe driver discount, passive restraint, good student, multiple autos, and driver’s education.
  • Auto-Owners Insurance may have discounts that include mature driver, anti-lock brakes, student away at school, safe vehicle, air bags, group or association, and paperless.
  • Geico offers discounts for military active duty, seat belt use, five-year accident-free, anti-theft, multi-vehicle, and emergency military deployment.
  • SAFECO has savings for anti-lock brakes, teen safety rewards, bundle discounts, homeowner, multi-car, and teen safe driver.

If you need inexpensive auto insurance quotes, ask each company the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your state.

How to lower your insurance cost

There are several ways you can shop for insurance and some are less labor-intensive and much quicker. You could waste time talking about coverages with agents in your area, or you can utilize the web for quick rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company then gives them pricing based on the submitted data. This prevents consumers from doing quotation requests for each company.

To find out how much you can save on insurance click to open in new window.

The one downside to using this type of form is you don’t know exactly which insurance companies to get pricing from. So if you want to choose individual companies to request quotes from, we put together a list of low cost insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but be sure you’re using apples-to-apples coverages and limits on every quote you get. If you are comparing different coverage information it’s not possible to determine the lowest rate for your Chevy C/K 1500 Series.

When should I discuss my situation with an agent?

When it comes to buying the best car insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out if you will benefit from professional help.

  • What is the minimum liability in my state?
  • Does my insurance cover my expensive audio equipment?
  • What if I don’t agree with a claim settlement offer?
  • Can I afford low physical damage deductibles?
  • Do I have coverage when making deliveries for my home business?
  • What is the difference between comprehensive and collision coverage?
  • When should my teen driver be added to my policy?
  • Does liability extend to a camper or trailer?
  • Am I insured when driving a different vehicle?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Learning about specific coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Auto liability – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, medical services and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, a broken windshield, damage from getting keyed, theft and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like surgery, prosthetic devices, hospital visits and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chevy C/K 1500 Series.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision – This coverage covers damage to your C/K 1500 Series resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, backing into a parked car, hitting a parking meter, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Compare but don’t skimp

Lower-priced 1993 Chevy C/K 1500 Series insurance is possible both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies don’t offer price quotes online and usually these regional insurance providers sell through independent agents.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone dropped liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

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