Want cheaper auto insurance rates for your Chevrolet C/K 1500 Series? Trying to find cheaper insurance for a Chevy C/K 1500 Series can normally be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to buy auto insurance and you need to know the best way to quote coverages for a new or used Chevy and obtain the lowest price from both online companies and local agents.
It’s smart to compare premium rates at least once a year since prices tend to go up over time. If you had the lowest price for C/K Series coverage two years ago you will most likely find a better rate quote today. Block out anything you think you know about auto insurance because we’re going to demonstrate the best way to save money, get proper deductibles and limits, all at the lowest rate.
Getting a cheaper price on 1998 Chevy C/K 1500 Series insurance is not a difficult process. Drivers just need to take the time comparing price quotes to discover which company has affordable insurance quotes. This can be accomplished using a couple different methods.
For a list of companies in your area, click here.
You can choose any of those ways to find more affodable coverage, but double check that you are using nearly identical coverages and limits for each price quote. If your comparisons have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best.
When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.
For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.
Understanding the coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane, vandalism and theft. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Liability coverage – This will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things such as structural damage, repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision coverage – This pays for damage to your C/K 1500 Series from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like damaging your car on a curb, driving through your garage door, scraping a guard rail, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1998 Chevy C/K 1500 Series.
Since a lot of 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 should not be overlooked.
Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for chiropractic care, EMT expenses, dental work and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage