1991 Chevrolet C/K 1500 Series Insurance Quotes – 7 Tips to Save

Trying to find lower insurance coverage rates for your Chevrolet C/K 1500 Series? Did a good deal turn into an underperforming, overpriced insurance coverage policy? You’re in good company because many drivers have buyer’s remorse. Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

If you have a policy now or need new coverage, you can use these techniques to find the best rates while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to understand the proper way to buy insurance over the internet.

Are you getting every discount?

Buying insurance is not cheap, but there may be some discounts that you may not even know about. A few discounts will be applied when you get a quote, but some discounts are required to be specifically requested before you get the savings.

  • Telematics Discount – Insureds who allow companies to spy on where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Accident Free – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote compared to bad drivers.
  • Waiver for an Accident – This one isn’t a discount, but companies like Allstate and State Farm will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • Passive Restraints and Air Bags – Cars that have air bags may qualify for discounts of 20% or more.
  • E-sign – A handful of companies will give you a small discount simply for signing on your computer.
  • Home Ownership Discount – Owning your own home or condo may trigger a policy discount on insurance due to the fact that maintaining a home is proof of financial responsibility.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and can earn a small discount on your policy.

Policy discounts save money, but most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will cut your insurance premiums.

Popular insurance companies and a selection of discounts can be read below.

  • State Farm may have discounts that include good student, defensive driving training, anti-theft, passive restraint, student away at school, and accident-free.
  • American Family has discounts for Steer into Savings, air bags, defensive driver, multi-vehicle, good student, and mySafetyValet.
  • GEICO offers discounts for emergency military deployment, good student, military active duty, federal employee, anti-theft, and daytime running lights.
  • 21st Century has savings for air bags, early bird, anti-lock brakes, student driver, and teen driver.
  • Progressive discounts include multi-vehicle, online signing, continuous coverage, good student, multi-policy, and homeowner.

Before purchasing a policy, check with every company how you can save money. Some of the earlier mentioned discounts might not be offered in your area. If you would like to choose from a list of insurance companies that offer discounts, click here to view.

Can you really save that much by switching?

Drivers can’t escape the ads that claim the best prices from companies such as GEICO, State Farm and Progressive. All the ads make an identical promise about saving some big amount if you change to them.

But how can every company lower your prices?

All the different companies quote their best rates for the type of driver that earns them a profit. A good example of this type of risk profile may be between 25 and 40, has no tickets, and the vehicle is rated for pleasure use. A customer getting a price quote that matches those criteria will probably get the lowest car insurance rates and will save money with a new company.

Insureds who are not a match for this ideal profile will be charged higher prices which results in business not being written. The ads state “customers who switch” not “everyone who quotes” save money. That’s why insurance companies can advertise the savings.

This illustrates why drivers must compare as many free auto insurance quotes as you can. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest prices.

When in doubt talk to an agent

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if your insurance needs may require specific advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving someone else’s vehicle?
  • Do all my vehicles need collision coverage?
  • Can I afford low physical damage deductibles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When should I remove comp and collision on my 1991 Chevy C/K 1500 Series?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Detailed coverages of your insurance policy

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, attorney fees, medical services, bail bonds and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your C/K 1500 Series resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, colliding with a tree and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1991 Chevy C/K 1500 Series.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills like hospital visits, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for things such as hitting a deer, damage from getting keyed and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

One last thing about your coverage

Some auto insurance companies may not offer the ability to get quotes online and most of the time these small insurance companies sell through independent insurance agencies. Cheap 1991 Chevy C/K 1500 Series insurance can be sourced both online in addition to many insurance agents, so you need to compare both to have the best chance of lowering rates.

We just presented some good ideas how to compare 1991 Chevy C/K 1500 Series insurance premium rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from an unexpected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

More detailed auto insurance information is available in the articles below: