1995 Chevrolet C/K 2500 Series Insurance Rates – 8 Tricks for Cheapest Quotes

If you’re trying to find cheaper insurance on the web, are you confused by the dozens of car insurance choices? Many other drivers are too. You have so many choices to choose from that it can turn into a difficult challenge to find lower car insurance rates.

It’s important to quote other rates occasionally due to the fact that insurance prices change frequently. Just because you found the best rate for C/K Series insurance six months ago other companies may now be cheaper. There are lots of tips to save on car insurance online, but in just a couple of minutes you can learn some solid techniques on how to lower your car insurance rates.

Buying car insurance is not that difficult. In a nutshell, everyone who has to buy insurance most likely will be able to save money. But consumers can benefit by having an understanding of how the larger insurance companies sell online and use this information to your advantage.

How to buy insurance

When shopping for insurance there are multiple ways of comparing rate quotes from local insurance companies. The fastest way to find the lowest 1995 Chevy C/K 2500 Series rates consists of shopping online. This can be accomplished by using one of the methods below.

  1. Without a doubt, the easiest way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for separate quote forms to each individual insurance company. One form will return quotes from multiple low-cost companies. This is by far the quickest method.
  2. Another way to get quotes online consists of visiting each company website and complete a new quote form. For instance, we’ll pretend you want to compare rates from State Farm, Allstate and American Family. To find out each rate you need to navigate to each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The old school method to comparison shop rate quotes is to spend time driving to local insurance agencies. Quoting and buying insurance online can eliminate the need for a local agent unless your situation requires the professional advice that can only be provided by a licensed insurance agent. Some companies do allow you to find lower rates online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same deductibles and coverage limits for every company. If you have higher or lower deductibles it will be very difficult to decipher which rate is best. Slightly different coverages could throw off the whole comparison. Just remember that comparing more quotes helps increase your odds of locating a better price. Some regional insurers cannot provide prices over the internet, so it’s important to also get price estimates on coverage from those companies, too.

More discounts mean cheaper premiums

Companies don’t list every available discount very clearly, so the list below gives a summary of some of the more common and the harder-to-find credits available to bring down your rates.

  • Accident Free – Good drivers with no accidents pay much less as compared to drivers who are more careless.
  • Discount for Multiple Policies – When you combine your auto and home insurance and insure them with the same company they may give you a discount of up to 20% and get you cheap insurance coverage.
  • Early Renewal Discounts – Some insurance companies give discounts for renewing your policy prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • New Car Discount – Adding a new car to your policy can get you a discount since newer vehicles are generally safer.
  • Senior Citizen Discount – Drivers over the age of 55 may qualify for reduced rates for C/K Series insurance.
  • Driver’s Education for Students – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Include Life Insurance and Save – Companies who offer life insurance give a break if you buy some life insurance too.
  • Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

While discounts sound great, it’s important to understand that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The best insurance companies and some of the discounts are shown below.

  • American Family offers premium reductions for multi-vehicle, accident-free, TimeAway discount, air bags, Steer into Savings, and good student.
  • State Farm has savings for safe vehicle, good student, multiple autos, good driver, multiple policy, and student away at school.
  • 21st Century may offer discounts for air bags, driver training, defensive driver, teen driver, theft prevention, and early bird.
  • Travelers offers discounts including multi-car, multi-policy, student away at school, new car, hybrid/electric vehicle, home ownership, and save driver.
  • GEICO may include discounts for seat belt use, multi-policy, military active duty, membership and employees, defensive driver, and anti-theft.

When comparing rates, check with all the companies how you can save money. Depending on the company, some discounts may not apply in your area.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • What is PIP insurance?
  • What companies insure drivers after a DUI or DWI?
  • Does coverage extend to Mexico or Canada?
  • Why do I need rental car insurance?
  • Is my cargo covered for damage or theft?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Information about specific coverages

Having a good grasp of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, fire damage, a tree branch falling on your vehicle, vandalism and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

This coverage will cover damage or injury you incur to a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as attorney fees, loss of income, repair bills for other people’s vehicles, emergency aid and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your C/K 2500 Series caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1995 Chevy C/K 2500 Series.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as ambulance fees, X-ray expenses, hospital visits and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage