1991 Chevrolet C/K 1500 Series Insurance Quotes

Looking for the cheapest car insurance rates for your Chevrolet C/K 1500 Series? Are you drained from paying out the nose each month for car insurance? You are in the same boat as millions of other vehicle owners.

You have so many insurers to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to compare rates and find the lowest cost car insurance.

It’s important to quote other rates periodically since insurance prices fluctuate regularly. Just because you had the best rates for C/K Series coverage a year ago you can probably find a lower rate today. There is too much inaccurate information about car insurance on the internet, but in a few minutes you can learn the best ways to lower your car insurance premiums.

Finding cheaper coverage is easy if you know what you’re doing. Basically, every vehicle owner who is shopping for auto insurance stands a good chance to be able to reduce their rates. Although consumers need to have an understanding of the methods companies use to market on the web.

How to shop insurance online

Shopping for lower insurance rates can take hours if you aren’t aware of the easiest way. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

All the larger companies enroll in a system where insurance shoppers send in one quote, and each participating company can give them a price based on that data. This prevents consumers from doing quotation requests for each company you want a rate for. To find out what other companies charge click here to start a free quote.

The one downside to doing it this way is buyers cannot specifically choose the companies to get quotes from. If you wish to select from a list of companies to compare rates, we have a listing of low cost insurance companies in your area. Click to view list.

However you get your quotes, ensure you are comparing the exact same quote data for every quote you compare. If your comparisons have differing limits you can’t possibly make an equal comparison. Slightly different coverage limits could throw off the whole comparison. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting more affordable insurance. Not every company does online quotes, so it’s important to compare prices from them as well.

Don’t overlook these car insurance discounts

Some providers don’t necessarily list the entire discount list very clearly, so the following is a list of a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy insurance online.

  • Savings for New Vehicles – Buying a new car model can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
  • Homeowners Savings – Owning a house can earn you a little savings because owning a home shows financial diligence.
  • Paperwork-free – A handful of larger companies will give a small break for completing your application on the web.
  • Distant Student Discount – who live away from home to go to college and leave their car at home can receive lower rates.
  • No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote compared to drivers with a long claim history.
  • First Accident Forgiveness – but companies like State Farm and Progressive will forgive one accident without raising rates if you are claim-free prior to being involved in the accident.
  • Seat Belts Save – Forcing all vehicle occupants to use their safety belts could cut 10% or more off PIP or medical payments premium.
  • Membership in Organizations – Being a member of a qualifying organization could trigger savings when getting a insurance quote.

It’s important to understand that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Larger car insurance companies and some of the premium reductions they offer can be read below.

  • American Family has savings for accident-free, multi-vehicle, mySafetyValet, defensive driver, good driver, and good student.
  • Nationwide may include discounts for accident-free, good student, multi-policy, anti-theft, family plan, and easy pay.
  • MetLife policyholders can earn discounts including defensive driver, multi-policy, good student, claim-free, good driver, accident-free
  • 21st Century has discounts for defensive driver, 55 and older, theft prevention, teen driver, and automatic seat belts.
  • Farmers Insurance includes discounts for business and professional, teen driver, distant student, bundle discounts, homeowner, alternative fuel, and multi-car.
  • Allstate may offer discounts for anti-lock brakes, teenSMART discount, eSmart discount, economy car, farm vehicle, anti-theft, and defensive driver.

It’s a good idea to ask each company which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your state. If you would like to see a list of providers with discount rates, click here to view.

When to get professional advice

When buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining whether or not you may require specific advice.

  • What is PIP insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my personal policy cover me when driving out-of-state?
  • Does my car insurance cover rental cars?
  • What is the minimum liability in my state?
  • Does coverage extend to my business vehicle?
  • Should I buy only the required minimum liability coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when using my vehicle for business?
  • How many claims can I have before being cancelled?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverage options for a 1991 Chevy C/K 1500 Series

Having a good grasp of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Auto collision coverage

Collision coverage will pay to fix damage to your C/K 1500 Series caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, crashing into a ditch, damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for nursing services, prosthetic devices and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Liability auto insurance

This coverage can cover damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like funeral expenses, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy C/K 1500 Series.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, theft, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.