1990 Chevrolet C/K 1500 Series Insurance Rates

Trying to come up with a payment for expensive auto insurance can diminish your bank account and maybe even restrict other spending.

Consumers have so many insurers to purchase coverage from, and although it’s nice to be able to choose, lots of choices makes it harder to find the lowest cost provider.

It’s a great practice to price shop coverage occasionally because rates are constantly changing. Just because you found the lowest rate on C/K Series insurance a few years ago you may be paying too much now. Ignore everything you know about auto insurance because we’re going to show you how to quote online to save on auto insurance.

Verify you’re receiving every discount

Some insurers don’t necessarily list every available discount very well, so the list below gives a summary of a few of the more well known and the more hidden credits available to lower your premiums when you buy insurance coverage online.

  • Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the PIP or medical payment premium.
  • Resident Student – Kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Driver Safety – Taking time to complete a safe driver course is a good idea and can lower rates depending on where you live.
  • Early Renewal Discounts – A few larger companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may get savings as much as 30%.

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Car insurance companies that may include many of the previously listed discounts possibly include:

Before buying, ask every prospective company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in your area. For a list of companies with significant discounts, follow this link.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might help in determining whether you might need professional guidance.

  • Can I still get insurance after a DUI?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my nanny covered when driving my vehicle?
  • Is my 1990 Chevy C/K 1500 Series covered for flood damage?
  • Should I buy only the required minimum liability coverage?
  • Is pleasure use cheaper than using my 1990 Chevy C/K 1500 Series to commute?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Is there deception in advertising?

Popular auto insurance providers such as Allstate, GEICO and Progressive endlessly run ads in print and on television. All the ads try to convey promises that drivers will save a bundle after switching to them. That’s great but how can every company claim to save you money? It’s all in the numbers.

All companies give the best rates for the type of driver that will be a good risk. An example of a desirable risk could be between the ages of 40 and 55, has a clean driving record, and chooses high deductibles. Any customer who matches that profile will get a cheap rate quote and as a result will probably save when they switch companies.

Drivers who do not meet the ideal profile will have to pay higher prices which leads to business not being written. The ads state “customers who switch” not “everyone that quotes” save the amount stated. That is how companies can truthfully make it sound like they have such great premium rates.

This really drives home the point why you really should get price quotes at each policy renewal. It’s just too difficult to predict which auto insurance company will have the lowest rate quotes.

Insurance coverage breakdown

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for surgery, dental work, X-ray expenses, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, hitting a bird, damage from flooding and damage from getting keyed. The maximum amount a 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 consider dropping full coverage.

Collision – Collision insurance covers damage to your C/K 1500 Series caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, hitting a parking meter, sideswiping another vehicle, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for liability – Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Do the work, save more money

Cost effective 1990 Chevy C/K 1500 Series insurance can be found from both online companies and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get quotes online and these regional insurance providers provide coverage only through local independent agencies.

When shopping online for insurance coverage, do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Additional insurance coverage information can be read at the links below