1999 Chevrolet C/K 1500 Series Insurance Rates

Trying to find better insurance coverage rates for your Chevrolet C/K 1500 Series? Locating lower priced insurance coverage over the internet can appear to be rather difficult for vehicle owners new to buying their insurance coverage over the internet. With literally dozens of insurance companies available, how can you effectively compare each option to find the lowest price?

It’s a good habit to take a look at other company’s rates before your policy renews because insurance coverage prices change frequently. Despite the fact that you may have had the best rate for C/K Series coverage a year ago you can probably find a better premium rate now. Block out anything you think you know about insurance coverage because you’re about to find out how to quote online to lower your rates without sacrificing coverage.

This information will familiarize you with how car insurance quotes work. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. But drivers should learn how big insurance companies market insurance on the web and use this information to your advantage.

How to compare auto insurance quotes

To get inexpensive auto insurance quotes, there a variety of ways to compare rate quotes from many auto insurance companies in your state. The fastest way to find the lowest 1999 Chevy C/K 1500 Series rates is simply to get online rate quotes. This is quite simple and can be completed by using one of the methods below.

If you’re in a hurry, the quickest way to find low rates is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do separate quote forms for each company. Filling out one form will get you price quotes from all major companies.It’s the quickest way to get rates.

A slightly less efficient method to compare prices requires visiting each company’s website to request a price quote. For instance, we’ll pretend you are doing a rate comparison from Auto-Owners, GEICO and Farmers. You would need to spend time going to each site individually and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The method you choose is up to you, but make sure you use identical quote data for every company. If the quotes have different values for each quote it will be impossible to determine which rate is truly the best. Quoting even small variations in coverages may result in a large different in cost. And when comparison shopping, making a lot of price comparisons will increase your chances of finding more affordable rates. Some regional insurers cannot provide price estimates online, so you should also compare price quotes on coverage from those companies, too.

Pay discount rates these discounts

Auto insurance is not an enjoyable expense, but there could be available discounts that may help make it more affordable. Some discounts will apply at the time of purchase, but some may not be applied and must be manually applied before you will receive the discount.

  • Professional Organizations – Being in qualifying employment or professional organizations is a simple method to lower premiums on your bill.
  • ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
  • Smart Student Discounts – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Defensive Driver Discount – Completing a defensive driving course could save 5% or more depending on where you live.
  • Low Mileage – Low annual miles could earn lower prices on the low mileage vehicles.
  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks on a single policy may reduce the rate for each vehicle.
  • Accident Free – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote in comparison to insureds who have frequent claims or accidents.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

Popular auto insurance companies and some of their more popular discounts are:

  • Farmers Insurance may offer discounts for multi-car, electronic funds transfer, business and professional, early shopping, and homeowner.
  • Esurance includes discounts for defensive driver, anti-lock brakes, claim free, DriveSense, Pac-12 alumni, and good driver.
  • State Farm has savings for defensive driving training, passive restraint, good student, anti-theft, Steer Clear safe driver discount, accident-free, and student away at school.
  • GEICO offers discounts including membership and employees, anti-theft, good student, federal employee, defensive driver, and air bags.
  • Allstate policyholders can earn discounts including anti-theft, FullPay discount, multi-policy, safe driver, new car, premier plus, and auto/life discount.

It’s a good idea to ask every prospective company how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your area.

Special considerations

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Should I buy only the required minimum liability coverage?
  • Am I covered if I break a side mirror?
  • Do I have coverage when using my vehicle for my home business?
  • I have a DUI can I still get coverage?
  • Is upholstery damage covered by car insurance?
  • Is my nanny covered when driving my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is the difference between comprehensive and collision coverage?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance 101

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy C/K 1500 Series.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like structural damage, pain and suffering, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for things like funeral costs, hospital visits, chiropractic care, surgery and prosthetic devices. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Saving money makes a lot of cents

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, policy non-renewal, extreme rates for teen drivers and even not issuing a premium refund. Whatever your reason, finding a new insurance coverage company can be less work than you think.

Budget-conscious 1999 Chevy C/K 1500 Series insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not have online rate quotes and many times these small, regional companies only sell coverage through independent insurance agents.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. In many instances, someone sacrificed uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

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