View 1996 Chevrolet C/K 1500 Series Insurance Rates

Want cheaper auto insurance rates for your Chevrolet C/K 1500 Series? No normal person likes having to buy auto insurance, especially when they could find lower prices if they just compared rates.

Companies like GEICO, Progressive and Allstate all promote huge savings with catchy ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.

The quickest method we recommend to compare car insurance rates is to understand most insurance companies allow for online access to compare rate quotes. To begin a comparison, all you need to do is give the companies some data such as driver details, whether or not you need a SR-22, if it has an anti-theft system, and what your job is. Your details is then submitted to multiple companies and you will receive price estimates within a short period of time.

If you wish to get multiple quotes for your car now, click here and see if a lower rate is available.

Are you qualifying for every discount?

Some insurers don’t always list all disounts in a way that’s easy to find, so we break down both the well known as well as some of the hidden ways to save on auto insurance.

  • Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Defensive Driving Course – Taking part in a course in defensive driver could cut 5% off your bill and make you a better driver.
  • Onboard Data Collection – Drivers who agree to allow data collection to analyze driving manner by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
  • E-sign Discounts – A few larger online companies will give a small break get auto insurance on the internet.
  • Own a Home and Save – Owning a home can save you money since owning and maintaining a home is proof of financial responsibility.

You can save money using discounts, but most discounts do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will definitely reduce your premiums.

Large auto insurance companies and a partial list of their discounts are:

  • State Farm policyholders can earn discounts including multiple autos, defensive driving training, passive restraint, good driver, and good student.
  • Liberty Mutual may have discounts that include newly retired, new move discount, teen driver discount, multi-car, multi-policy, preferred payment discount, and safety features.
  • American Family offers discounts for accident-free, TimeAway discount, multi-vehicle, mySafetyValet, and defensive driver.
  • Progressive has discounts for good student, multi-policy, continuous coverage, homeowner, multi-vehicle, online quote discount, and online signing.
  • Farmers Insurance has savings for business and professional, pay in full, good student, alternative fuel, homeowner, early shopping, and switch companies.
  • Auto-Owners Insurance may include discounts for mature driver, student away at school, paperless, anti-lock brakes, and multiple vehicles.
  • SAFECO discounts include multi-car, accident prevention training, teen safety rewards, safe driver, teen safe driver, and bundle discounts.

If you need affordable auto insurance quotes, ask each company the best way to save money. Some discounts listed above might not be offered everywhere. To choose insurers who offer online auto insurance quotes, click here.

When in doubt talk to an agent

When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining if you could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • Is my state a no-fault state?
  • Exactly who is provided coverage by my policy?
  • Am I covered when driving in Canada or Mexico?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need higher collision deductibles?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I crash into my own garage door?
  • Can I rent a car in Mexico?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Specific coverage details

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, pain medications, funeral costs, nursing services and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, vandalism, hitting a deer and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance – This will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like funeral expenses, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Collision coverages – This coverage pays for damage to your C/K 1500 Series caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, crashing into a ditch, damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy C/K 1500 Series.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.