1996 Chevrolet C/K 1500 Series Car Insurance Quotes

Are you overwhelmed by the sheer number of insurance options? You have a lot of company. Drivers have so many companies to choose from that it can quickly become a big hassle to locate the lowest price.

You should take the time to compare rates before your policy renews since rates trend upward over time. Just because you had the lowest rates for C/K Series coverage six months ago there is a good chance you can find better rates now. So just forget anything you know (or think you know) about insurance because you’re about to learn the best way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. The purpose of this article is to introduce you to the most effective way to quote insurance and some tricks to saving. But consumers can benefit from knowing how the larger insurance companies determine prices and use this information to your advantage.

Finding Insurance

There are multiple methods to compare 1996 Chevy C/K 1500 Series insurance quotes, but some are easier and takes less work. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could use the internet to maximize your effort.

All the larger companies take part in a program where prospective buyers submit their information once, and each company then gives them pricing. This system prevents you from having to do quote requests to each individual insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to pricing coverage this way is you don’t know exactly which providers you will receive quotes from. If you would rather choose specific providers for rate comparison, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverage limits and deductibles for every quote you compare. If you are comparing different liability limits it will be impossible to determine the lowest rate for your Chevy C/K 1500 Series. Having just a slight variation in coverage limits may cause a big price difference. And when comparison shopping, comparing a large number of companies provides better odds of finding a better price.

Are you getting all your discounts?

Car insurance can cost a lot, but you may find discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before they will apply.

  • Discount for New Cars – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for C/K Series coverage with a few insurance companies.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Save over 55 – Mature drivers may receive a discount up to 10% for C/K Series coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy qualifies for this discount.
  • Student in College – Kids in college who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Paperwork-free – A few companies may give you up to $50 for buying your policy digitally online.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates when buying insurance for C/K Series coverage.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.

A partial list of companies that possibly offer some of the above discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not be available in your state.

When might I need an agent?

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Who is covered when they drive my 1996 Chevy C/K 1500 Series?
  • Should I waive the damage coverage when renting a car?
  • At what point should I drop full coverage?
  • How can I force my company to pay a claim?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance 101

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1996 Chevy C/K 1500 Series.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, medical expenses, legal defense fees, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance pays for damage to your C/K 1500 Series caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, fire damage and hitting a deer. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like doctor visits, ambulance fees, surgery and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Save your hard earned cash

We just showed you many tips how you can shop for 1996 Chevy C/K 1500 Series insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the best prices are with a lesser-known regional company.

When shopping online for insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Affordable insurance is possible on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

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