View 1998 Chevrolet C/K 1500 Series Car Insurance Quotes

Looking for cheaper insurance coverage rates? Shoppers have lots of choices when shopping for low-cost Chevy C/K 1500 Series insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to make rate comparisons.

There are more efficient ways to buy insurance coverage and we’ll show you the best way to quote coverages for a new or used Chevy and locate the lowest possible price from both online companies and local agents.

Consumers should take time to check insurance coverage prices once or twice a year because insurance rates change regularly. Just because you found the lowest price on C/K Series coverage last year you can probably find a lower rate today. Don’t believe everything you read about insurance coverage on the web, but by reading this article, you’re going to learn some tested techniques to find affordable insurance coverage.

Chevy C/K 1500 Series rates are complex

An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine your rates.

  • Liability insurance protects assets – Liability insurance is the coverage that protects you in the event that a jury decides you are liable for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Discounts for married couples – Being married can actually save you money on your auto insurance policy. Having a spouse is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Policy add-ons can waste money – There are a lot of extra coverages that can waste your money on your auto insurance policy. Insurance for roadside assistance, accident forgiveness and membership fees are examples of these. These coverages may sound good at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Rates may be lower depending on your job – Occupations like doctors, executives and stock brokers have the highest rates due to high stress and long work hours. On the other hand, occupations such as scientists, students and retirees get better rates on C/K Series coverage.
  • Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Women and men are in accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.
  • Where you reside plays a part – Residing in a rural area can save you money when it comes to auto insurance. Fewer people means reduced accidents and also fewer theft and vandalism claims. City drivers have to deal with traffic congestion and a longer drive to work. More time on the road translates into higher accident risk.
  • Adjust deductibles and save – Your deductibles represent how much money you are willing to pay before your auto insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more expense you’re willing to pay, the bigger discount you will receive on C/K Series coverage.

How to save on Chevy C/K 1500 Series insurance

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be inquired about prior to getting the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with a substantially lower rate.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.

Drivers should understand that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will reduce the cost of coverage.

Car insurance companies that may have some of the above discounts are:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts might not apply in your area.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help you determine if your situation might need professional guidance.

  • How do I file an SR-22 for a DUI in my state?
  • Why am I required to get a high-risk car insurance policy?
  • When would I need additional glass coverage?
  • What is the ISO rating for a 1998 Chevy C/K 1500 Series?
  • Do all my vehicles need collision coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why do I need rental car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • How many claims can I have before being cancelled?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical expenses, medical services, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like prosthetic devices, funeral costs, pain medications and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, vandalism, hitting a deer, damage from getting keyed and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Stretch your dollar

You just read a lot of techniques to shop for 1998 Chevy C/K 1500 Series insurance online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a lesser-known regional company.

Drivers leave their current company for any number of reasons including not issuing a premium refund, delays in paying claims, questionable increases in premium and even policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped full coverage and learned later that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate.

Additional detailed information can be read in the articles below: