1991 Chevrolet C/K 2500 Series Car Insurance Cost

Expensive insurance can drain your savings account and make it impossible to make ends meet. Comparing price quotes is free and is an excellent way to cut your insurance bill. Drivers have so many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it can be more difficult to compare company pricing.

Choosing the best insurance company for you is not rocket science. If you have a current car insurance policy or need a new policy, you can learn to find better prices and still get good coverage. Drivers only need an understanding of the best way to buy car insurance over the internet.

Finding Car Insurance Deals

Effectively comparing car insurance prices can take hours if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to quickly compare rates.

Many companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for quote requests for each company you want a rate for.

To compare pricing click to open in new window.

One minor caviat to comparing rates this way is you can’t choose which carriers to get quotes from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, double check that you are using identical deductibles and coverage limits for each price quote. If you have different deductibles it’s not possible to find the best deal for your Chevy C/K 2500 Series.

Pay less by taking advantage of discounts

Car insurance companies do not list every available discount very clearly, so we break down both well-publicized as well as the least known insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Life Insurance Discount – Some companies give a break if you buy life insurance from them.
Passive Restraints and Air Bags – Factory air bags may earn rate discounts of more than 20%.
Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
Student in College – Children who live away from home without a vehicle on campus may be able to be covered for less.
Claim Free – Drivers who don’t have accidents pay much less as compared to bad drivers.
Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
Senior Citizens – Mature drivers can possibly qualify for reduced rates for C/K Series coverage.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of insurance companies with discount insurance rates, click here to view.

Your coverage should be tailored to you

When it comes to choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

Does my insurance cover a custom paint job?
Do I have coverage if my license is suspended?
Am I covered if I hit a deer?
Can I still get insurance after a DUI?
Where can I find DUI or SR-22 insurance?
Does liability extend to a camper or trailer?
Does my 1991 Chevy C/K 2500 Series qualify for pleasure use?
When should my teen driver be added to my policy?
Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages explained

Knowing the specifics of a car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are typical coverages available from car insurance companies.

Liability coverage

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as legal defense fees, pain and suffering, emergency aid and structural damage. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, a tree branch falling on your vehicle, theft and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills for things like funeral costs, X-ray expenses, EMT expenses, hospital visits and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your C/K 2500 Series resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, rolling your car, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.