Lower Your 1998 Chevrolet C/K 1500 Series Insurance Quotes

No one in their right mind fancies paying their premiums for car insurance, especially when they are aware that they could find better rates elsewhere.

Big-name insurance companies like State Farm, Progressive and Geico promote their brand names with ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Finding affordable coverage is easy if you know what you’re doing. But consumers do need to know the way insurance companies sell online.

How to buy car insurance

Effectively comparing car insurance prices is a ton of work if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize the web to maximize your effort.

Most major companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company provides a quote based on the submitted data. This saves time by eliminating form submissions for every car insurance company. To enter your information into the quoting system, click here (opens in new window).

The one downside to pricing coverage this way is you don’t know exactly which insurance companies to get quotes from. If you wish to select from a list of companies to compare, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just do your best to use equivalent coverages on every price quote you get. If you have mixed coverages it will be nearly impossible to determine the lowest rate for your Chevy C/K 1500 Series. Quoting even small variations in coverages can make a big difference in price. And when comparing car insurance rates, know that comparing all the rates in your area helps improve the odds of finding the best price.

Tailor your insurance coverage to you

When buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if you could use an agent’s help.

• How do I file an SR-22 for a DUI in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is my 1998 Chevy C/K 1500 Series covered for smoke damage?
• Do I have coverage if my license is suspended?
• Am I getting all the discounts available?
• Am I covered if I wreck a rental car?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, vandalism and a tree branch falling on your vehicle. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, structural damage, pain and suffering, court costs and medical expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverage

This covers damage to your C/K 1500 Series resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, hitting a mailbox, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as nursing services, pain medications, surgery and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Chevy C/K 1500 Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.