Compare 1999 Chevrolet C/K 1500 Series Insurance Quotes

Searching for better auto insurance rates for your Chevrolet C/K 1500 Series? Trying to come up with a payment for high-priced auto insurance can dry up your checking account and put the squeeze on your family’s finances. Performing a price comparison can be a smart way to slash your bill and have more diposable income.

With so many online and local companies to choose from, it can be diffult for drivers to find the lowest price insurer.

How to lower your insurance coverage cost

When shopping for insurance coverage there are multiple ways of comparing rates from different insurance companies. The recommended way to find competitive 1999 Chevy C/K 1500 Series insurance rates involves getting comparison quotes online. This can be done in several different ways.

The best way to get quotes is to use a rate comparison form click here to open form in new window. This style of form keeps you from doing separate forms for every prospective company. A single form compares rates from all major companies.

A harder way to find more affordable insurance requires a trip to the website for each individual company and repeat the quote process again and again. For instance, we’ll pretend you want to see prices from Progressive, Esurance and State Farm. You would have to go to every website and repeatedly type in your coverage information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

Whichever way you use, do your best to use equivalent coverages and limits for each quote you get. If your comparisons have different limits and deductibles on each one it will be next to impossible to get a fair rate comparison. Even a minor difference in insurance coverages can result in a big premium difference. It’s important to know that comparing more quotes will improve the odds of getting more affordable insurance. Not every company does price estimates online, so you also need to get quotes on coverage from those companies, too.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • What is high-risk coverage and where do I buy it?
  • Does car insurance cover theft of personal property?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is UM/UIM insurance?
  • Is my babysitter covered when using my vehicle?
  • Should I waive the damage coverage when renting a car?
  • Is my Chevy C/K 1500 Series covered if I use it for business?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most car insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, repair costs for stationary objects, bail bonds, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like hospital visits, pain medications, X-ray expenses and dental work. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, rolling your car, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.