Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Finding a different company that has low cost insurance is challenging since most people haven’t used online price quotes. But don’t give up because we’re going to show you how.

Low cost insurance coverage prices

There are a lot of ways you can shop for insurance coverage and some are less time-consuming than others. You could waste time talking to agents in your area, or you can stay home and use the web to achieve your goal.

Many insurance companies participate in an industry program that allows shoppers to enter their policy data once, and every company then returns a price quote determined by their information. This eliminates the need for quotation requests to each individual insurance coverage company.

To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which carriers you will receive quotes from. If you wish to select specific insurance companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

However you get your quotes, do your best to use the same quote data for each price quote. If you have unequal deductibles or liability limits it’s not possible to determine which company has the best rates. Even a minor difference in coverage limits could throw off the whole comparison. And when comparison shopping, comparing more company’s prices helps increase your odds of locating more affordable insurance. Some companies don’t provide quotes online, so it’s necessary to compare price quotes from the smaller companies as well.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Take advantage of these discounts

Insurance is expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but once in a while a discount must be inquired about prior to receiving the credit. If you’re not getting every credit possible, you may be paying too high a price.

  • Early Switch Discount – Some insurance companies give discounts for buying a new policy before your current policy expires. This can save 10% or more.
  • Driver’s Ed – Teen drivers should take driver’s ed class as it will make them better drivers and lower rates.
  • Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates on C/K Series coverage.
  • Multiple Cars – Drivers who insure multiple cars or trucks on the same insurance policy qualifies for this discount.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save a little on medical payment and PIP coverage.
  • Military Rewards – Being on active duty in the military could mean lower premium rates.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less on C/K Series coverage as compared to drivers with claims.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance policy, you aren’t that lucky.

To find providers that provide some of the discounts listed above, follow this link.

Special considerations

When choosing the right insurance coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Does coverage extend to Mexico or Canada?
  • At what point should I drop full coverage?
  • Is my Chevy C/K 2500 Series covered if I use it for business?
  • Do all my vehicles need collision coverage?
  • Is extra glass coverage worth it?
  • Does insurance cover damages from a DUI accident?
  • Does having multiple vehicles earn me a discount?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I sign the liability waiver when renting a car?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Five things that impact your insurance costs

It’s important that you understand the factors that play a part in calculating the level of your policy premiums. If you know what determines premiums, this allows you to make educated decisions that can earn you better auto insurance rates.

Shown below are a partial list of the pieces auto insurance companies consider when setting your prices.

  • Long commutes cost more – The more miles you rack up on your Chevy annually the higher your rate. A lot of insurance companies calculate rates based on how the vehicle is used. Cars and trucks that sit idle most of the time qualify for better rates than vehicles that are driven to work every day. Having an incorrect usage rating on your C/K 2500 Series can cost quite a bit. It’s a good idea to make sure your auto insurance policy properly reflects the correct usage.
  • More traffic means higher claims – Choosing to live in a small town may provide you with better prices when talking about auto insurance. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accident claims and lower theft and vandalism rates.
  • Raise your comp and collision deductibles for better rates – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of some claims that would be covered are a dented fender, damage from fire, and damage from a fallen tree branch. The deductibles you choose are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount the insured has to pay upfront, the better rate you will receive on C/K Series coverage.
  • Safety ratings are a factor – Vehicles with good safety scores cost less to insure. Highly rated vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and lower rates for you. If your Chevy C/K 2500 Series scored at minimum four stars on or an “acceptable” rating on you may be receiving a better rate.
  • You might have higher rates if you are single – Having a spouse may earn you lower rates on your policy. Marriage means you’re less irresponsible and statistics show married couples file fewer claims.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance coverages explained

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy C/K 2500 Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, EMT expenses, X-ray expenses, rehabilitation expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, damage from getting keyed, theft, fire damage and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, structural damage, medical services, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your C/K 2500 Series from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, crashing into a ditch, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Have money to burn

More affordable insurance can be bought online in addition to local insurance agencies, and you need to comparison shop both to have the best selection. Some insurance companies do not provide online rate quotes and these smaller companies sell through independent agents.

Drivers leave their current company for a variety of reasons including high prices, delays in responding to claim requests, policy non-renewal or policy cancellation. Regardless of your reason for switching companies, finding a new insurance company can be easy and end up saving you some money.

When you buy insurance online, do not skimp on coverage in order to save money. There are many occasions where someone sacrificed liability coverage limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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