Wish you could get out of an expensive car insurance policy? Say no more because there are many drivers thinking the same thing. Big-name insurance companies like State Farm, Allstate, Geico and Progressive constantly blast consumers with ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.
If you have a policy now or are looking for a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is not that difficult. Consumers only need an understanding of the most effective way to shop their coverage around online.
Shopping for lower insurance rates can be challenging if you don’t understand the most efficient way to do it. You can spend your afternoon driving to agents in your area, or you could use online quoting to quickly compare rates.
The majority of car insurance companies belong to an insurance system that allows shoppers to submit one quote, and at least one company can provide price quotes based on that information. This prevents consumers from doing quote requests to each individual insurance company.
To compare rates using this form now click to open in new window.
The single downside to doing it this way is that consumers can’t choose which carriers to get pricing from. If you prefer to choose specific insurance companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.
The method you choose is up to you, but do your best to use exactly the same coverage limits on every quote. If you have unequal deductibles or liability limits it will be impossible to make a fair comparison for your Chevy C/K 2500 Series.
Insuring your vehicles can cost a lot, but companies offer discounts that you may not even be aware of. Most are applied when you quote, but some need to be specially asked for in order for you to get them.
Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free insurance policy, you’re out of luck.
Some companies that have these benefits include:
Before purchasing a policy, check with each company to give you their best rates. Savings may not be available everywhere. If you would like to view insurance companies with discount rates, click here to view.
Many things are part of the equation when quoting car insurance. Some are obvious like your driving record, although others are more obscure like where you live or how safe your car is.
When it comes to buying coverage, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.
Drivers can’t escape the ads for cheaper insurance from companies such as State Farm and Allstate. All the companies have a common claim about savings just by switching your policy.
How is it possible that every company can make the same claim? You have to listen carefully.
Companies offer their best rates for the type of customer that earns them a profit. A good example of a profitable insured might have to be over the age of 40, insures multiple vehicles, and has a short commute. Anybody that hits that “sweet spot” is entitled to the best price and will most likely save a lot of money.
Potential insureds who don’t measure up to those criteria will see a more expensive rate and ends up with the prospect going elsewhere. The trick is to say “drivers that switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can confidently advertise the savings. Different companies use different criteria so you need to do a quote comparison often. It is impossible to predict which company will provide the lowest rates.
Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by auto insurance companies.
Collision coverages – Collision insurance will pay to fix damage to your C/K 2500 Series resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, ambulance fees, rehabilitation expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like hitting a bird, damage from a tornado or hurricane and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability coverages – Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims, and 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 values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage pays for things like legal defense fees, bail bonds, medical services and loss of income. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.
Cheap 1997 Chevy C/K 2500 Series insurance is available both online and from local agencies, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide internet price quotes and most of the time these regional carriers work with local independent agents.
When getting auto insurance quotes online, do not buy less coverage just to save a little money. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.
Much more information about car insurance is available at these links: