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.
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.
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:
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 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.
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.
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.