1999 Chevrolet C/K 2500 Series Insurance Quotes – 10 Tricks for Best Rates

Tired of being strong-armed to buy car insurance? You are no different than many other drivers. Insurance companies such as Progressive, Geico and Farmers Insurance constantly bombard you with TV and radio ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

Car Insurance Prices Online

Most companies give insurance quotes on their websites. Getting online quotes is fairly simple as you simply type in your required coverages into the quote form. Behind the scenes, the company’s rating system sends out for your driving and credit reports and returns a price quote based on many factors. Quoting online helps simplify price comparisons, but the work required to visit several different sites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to do this in order to find the best price on car insurance.

Rate comparisons made easy

The smarter way to locate the lowest prices is to use a quote form that analyzes rates from several different companies. This type of form saves time, eliminates repetitive work, and makes price shopping online much easier to do. Immediately after submitting the form, it is rated and you are able to buy any one of the quote results. If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process takes just a few minutes to complete and may result in a nice savings.

If you want to compare rates using this form now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend that you enter the insurance coverages as close as possible to your current policy. Using the same limits helps guarantee you will be getting rate quotes based on similar coverages.

Are you falling for claims of savings?

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as Geico, State Farm and Progressive. They all seem to say the same thing that you’ll save big after switching your policy.

How can each company make almost identical claims?

Different companies have a preferred profile for the driver they prefer to insure. An example of a profitable customer could be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to cut their rates substantially.

Potential insureds who do not match this ideal profile will have to pay a more expensive rate which leads to the customer not buying. The ads state “customers who switch” not “people who quote” save that much. That’s why companies can make those claims. Because of the profiling, you should quote coverage with many companies. It is impossible to predict which insurance companies will have the lowest Chevy C/K 2500 Series insurance rates.

Be sure to get all your discounts

Car insurance companies don’t list all their discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find car insurance savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Defensive Driver – Taking a course in driver safety can save you 5% or more if your company offers it.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Resident Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Multi-policy Discount – If you have multiple policies with the same company you may save at least 10% off all policies.
  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates on car insurance for C/K Series coverage.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.

Drivers should understand that most discounts do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

Companies who might offer some of the above discounts may include but are not limited to:

Check with each company how you can save money. Savings might not be offered in your state.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is business equipment covered while in my vehicle?
  • Can I get a multi-policy discount?
  • Should I have a commercial auto policy?
  • Is my trailer covered?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

The coverage is in the details

Knowing the specifics of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy C/K 2500 Series.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for surgery, hospital visits, rehabilitation expenses, funeral costs and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, hitting a mailbox, rolling your car, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, hitting a bird, rock chips in glass, falling objects and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

This provides protection from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as legal defense fees, pain and suffering, medical services, loss of income and emergency aid. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Knowledge is power

When you buy insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

We just showed you some good ideas how to compare 1999 Chevy C/K 2500 Series insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the lowest rates come from the smaller companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

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