Save on 1995 Chevrolet C/K 1500 Series Insurance Quotes

Searching for cheaper auto insurance rates for your Chevrolet C/K 1500 Series? Nobody that owns a car looks forward to buying auto insurance, particularly when the cost is too high.

Insurance companies such as Allstate, Progressive and Geico constantly bombard you with fancy advertisements and it is difficult to see past the geckos and flying pigs and find the best price available.

It’s a great practice to price shop coverage every six months because rates are adjusted regularly by insurance companies. Just because you found the lowest rate on C/K Series coverage a few years ago you may be paying too much now. There are lots of tips to save on auto insurance online, but in this article, you’re going to get some excellent ideas to save money.

Cheaper car insurance quotes with discounts

Some insurance providers do not list every policy discount in a way that’s easy to find, so the list below contains both well-publicized as well as the least known car insurance savings.

  • Homeowners Discount – Owning a home can earn you a little savings because maintaining a house requires personal responsibility.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
  • Low Mileage – Keeping the miles down on your Chevy can earn better premium rates on cars that stay parked.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • No Charge for an Accident – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
  • Pay Early and Save – By making one initial payment rather than paying monthly you can avoid monthly service charges.
  • Drivers Education – Teen drivers should sucessfully take a drivers education course in school or through a local driver safety program.

A quick disclaimer, most discount credits are not given to the entire policy premium. Most cut specific coverage prices like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

If you would like to see a list of companies that offer discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • Do I have coverage when pulling a U-Haul trailer?
  • What happens if I owe more than my 1995 Chevy C/K 1500 Series is worth?
  • Do I need replacement cost coverage on my 1995 Chevy C/K 1500 Series?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is the difference between comprehensive and collision coverage?
  • Is rental equipment covered for theft or damage?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Brand name doesn’t guarantee savings

Insurance providers like 21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies say the same thing that you can save after switching your policy. Is it even possible that every company can make almost identical claims? This is how they do it.

Different companies have specific criteria for the type of customer they prefer to insure. An example of a desirable risk may be between the ages of 30 and 50, has had continuous coverage, and drives a safe vehicle. A customer getting a price quote who matches those parameters will qualify for the lowest car insurance rates and will most likely save money with a new company.

People who may not quite match the “perfect” profile may be required to pay more expensive rates and ends up with the prospect going elsewhere. The trick companies use is to say “people who switch” but not “everyone who gets a quote” save that much when switching. That’s why companies can make those claims. This really drives home the point why drivers should compare quotes as often as possible. Because you never know which company will provide the lowest prices.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.

Collision coverage protection

Collision coverage pays for damage to your C/K 1500 Series resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like doctor visits, ambulance fees, funeral costs, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from flooding, falling objects, rock chips in glass and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability insurance will cover damage that occurs to other people or property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as court costs, bail bonds and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Have the Midas touch

We just covered a lot of techniques to get a better price on 1995 Chevy C/K 1500 Series insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small local company. These companies often have lower car insurance rates on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Some insurance companies don’t offer online quoting and most of the time these smaller companies provide coverage only through independent agencies. More affordable insurance is attainable online and from local agencies, and you should compare price quotes from both to have the best rate selection.

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