1991 Chevrolet C/K 1500 Series Insurance Rates

I can’t think of a single person who looks forward to paying for car insurance, particularly when they are paying too much.

Having so many online and local companies to choose from, it can be hard to locate the most cost effective insurer.

Consumers should take time to shop coverage around every six months because rates change frequently. Even if you got the best rates for C/K Series coverage last year other companies may now be cheaper. Starting now, block out anything you think you know about car insurance because you’re going to get a crash course in one of the quickest ways to remove unneeded coverages and save money.

The best way to get policy rate comparisons is to know the fact most of the bigger providers participate in a system to give rate comparisons. To get started, all you need to do is give the companies some data like whether you have decent credit, how much education you have, deductibles desired, and if the car is leased. The rating information is automatically sent to multiple auto insurance providers and they return rate quotes instantly.

Discounts mean cheaper Chevy C/K 1500 Series insurance rates

Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.

  • Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Auto/Life Discount – Larger companies have better rates if you take out a life insurance policy as well.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for C/K Series coverage with a few auto insurance companies.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for C/K Series coverage than drivers with accident claims.

Keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Car insurance companies that may offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Discounts might not be offered in your state.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • What is the minimum liability in my state?
  • Am I insured when driving a different vehicle?
  • Do I need roadside assistance coverage?
  • Will my rates increase for filing one claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • How much liability do I need to cover my assets?
  • Is my camper covered by my car insurance policy?
  • What discounts do I qualify for?
  • How can I find cheaper teen driver insurance?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage basics

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, hitting a parking meter, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like chiropractic care, dental work and hospital visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability

Liability insurance can cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for 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. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things like funeral expenses, court costs, bail bonds and medical services. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, falling objects and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.