Cheaper 1996 Chevrolet C/K 2500 Series Car Insurance Rates

Drivers have options when trying to find the best price on Chevy C/K 2500 Series insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to get rate quotes. There are more efficient ways to shop for auto insurance and you need to know the quickest way to get price quotes for a Chevy and get the lowest possible price from both online companies and local agents.

How much is auto insurance?

There are multiple methods to compare auto insurance prices but there is one way that is more efficient than others. You can spend your afternoon driving to local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Most of the larger companies take part in a program that allows shoppers to complete one form, and each participating company returns a competitive quote based on that data. This eliminates the need for quote requests to each company.

To compare pricing click to open in new window.

The one disadvantage to doing it this way is you are unable to specify which companies to receive prices from. If you prefer to choose specific providers for rate comparison, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to use the exact same coverage information on every quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to determine which company has the best rates.

What is the best insurance coverage?

When it comes to buying coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help highlight whether you would benefit from professional advice.

  • Should I carry comprehensive and collision coverage?
  • Can I make deliveries for my home business?
  • What is roadside assistance coverage?
  • Do I really need UM/UIM coverage?
  • Is my cargo covered for damage or theft?
  • Does my car insurance cover rental cars?
  • What is medical payments coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy C/K 2500 Series.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like attorney fees, loss of income, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your C/K 2500 Series resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, vandalism, falling objects, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for prosthetic devices, EMT expenses, pain medications, funeral costs and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay