Cheap 1992 Chevrolet C/K 1500 Series Insurance Quotes

Want lower auto insurance rates for your Chevrolet C/K 1500 Series? Did budget coverage turn out to be an overpriced auto insurance policy? Trust us when we tell you there are lots of residents who feel the same. Insurance companies such as Allstate and Progressive continually hit you with ad campaigns and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

Consumers need to quote other rates before your policy renews due to the fact that insurance prices change regularly. Even if you think you had the best deal on C/K Series coverage last year you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to learn the easiest way to reduce your cost while increasing coverage.

If you are insured now or are shopping for new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need an understanding of the proper methods to shop their coverage around online.

Compare free auto insurance quotes

Most major insurance companies like Progressive, Allstate and GEICO provide prices online. Getting online rates is fairly simple as you just enter your coverage information as requested by the quote form. After you submit the form the quote system requests your credit score and driving record and generates a price based on the information you submitted. This makes it simple to compare prices but the work required to visit multiple sites and type in your information can get tiresome after awhile. But it is imperative to have as many quotes as possible if you want to get the lowest possible prices on auto insurance.

A better way to compare auto insurance pricing uses just one form to return rates from several companies at one time. This type of form saves time, eliminates repetitive work, and makes rate comparisons much easier to do. Immediately after submitting the form, your coverage is rated and you can select any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

In order to compare rates now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you input coverages and limits identical to your current policy. This guarantees you are getting comparison quotes based on the exact same insurance coverage.

Discounts for cheaper auto insurance quotes

Some providers don’t always list all their discounts very well, so the list below gives a summary of a few of the more common and also the lesser-known savings tricks you should be using when you buy insurance online. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Military Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Bundle and Save – If you combine your homeowners and auto policies with one company you could get a discount of over 10 percent off each policy depending on the company.
  • Mature Driver Discount – Older drivers can get a small decrease in premiums on C/K Series coverage.
  • Responsible Driver Discounts – Accident-free drivers could pay up to 40% less on C/K Series coverage compared to rates paid by drivers with frequent claims.
  • Defensive Driving Course – Successfully completing a driver safety class could earn you a small percentage discount depending on where you live.
  • Data Collection Discounts – Drivers that enable their insurance company to track vehicle usage remotely such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
  • Student Driver Training – Teen drivers should participate in a local driver’s education class if offered at their school.
  • College Student Discount – Kids who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Accident Waiver – This isn’t a discount exactly, but a few companies such as GEICO, Progressive, and Allstate will let one accident slide before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.

Discounts lower rates, but many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But any discount will reduce your overall bill.

Larger auto insurance companies and some of the premium reductions they offer are detailed below.

  • State Farm offers discounts including student away at school, anti-theft, Steer Clear safe driver discount, defensive driving training, multiple autos, and passive restraint.
  • Progressive may have discounts that include homeowner, online signing, good student, multi-vehicle, and online quote discount.
  • Progressive may include discounts for online signing, good student, multi-policy, homeowner, online quote discount, and continuous coverage.
  • MetLife policyholders can earn discounts including accident-free, good driver, claim-free, defensive driver, multi-policy, and good student.
  • Farm Bureau offers discounts for renewal discount, good student, safe driver, driver training, and multi-policy.
  • GEICO may offer discounts for multi-policy, daytime running lights, defensive driver, air bags, and federal employee.
  • SAFECO includes discounts for multi-car, anti-lock brakes, bundle discounts, homeowner, and teen safety rewards.

If you are trying to find the cheapest insurance quotes, ask all the companies which credits you are entitled to. A few discounts might not apply in your area. To locate providers that have a full spectrum of discounts, follow this link.

You may need specialized insurance coverage

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you may require specific advice.

  • Can I drive in Mexico and have coverage?
  • What are the financial responsibility laws in my state?
  • What is high-risk coverage and where do I buy it?
  • Does coverage extend to my business vehicle?
  • How does medical payments coverage work?
  • I have health insurance so do I need medical payments coverage?
  • Should I carry comprehensive and collision coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Why you might pay inflated rates

Multiple criteria are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving history, but some are more obscure like your continuous coverage and annual miles driven.The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that go into determining your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower auto insurance prices.

Shown below are most of the major factors that factor into your rates.

  • Bundle home and auto and save – Some auto insurance companies provide lower prices to buyers that buy multiple policies, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare other insurance prices to verify if the discount is saving money.There is a good possibility that you can find a better deal by buying auto insurance from a different company.
  • Pay less if you’re married – Having a spouse may cut your premiums on your auto insurance policy. Marriage means you’re more responsible and it’s proven that being married results in fewer claims.
  • Lower premiums for cars with good safety ratings – Safe vehicles tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and lower injury rates translates directly to fewer claims and more competitive rates for policyholders. If your Chevy C/K 1500 Series has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Raise physical damage deductibles and save – Physical damage coverage, also called comprehensive and collision insurance, insures against damage to your Chevy. Some examples of claims that would be covered could be a dented fender, hail damage, and damage caused by flying debris. The deductibles are the amount of money you are willing to pay if the claim is covered. The more of the claim you choose to pay out-of-pocket, the better rate you will receive on C/K Series coverage.
  • Age of drivers – Inexperience drivers are statistically proven to be less responsible behind the wheel therefore auto insurance rates are much higher. Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents and are safer drivers.
  • Where you call home can impact premiums – Being located in a rural area has definite advantages when talking about auto insurance. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims Drivers in populated areas regularly have traffic congestion and longer commute times. Higher commute times means higher likelihood of an accident.
  • Extra policy coverages can add up – There are quite a few additional extra coverages you can purchase when buying auto insurance. Insurance for things like coverage for rental cars, high-cost glass coverage, and motor club memberships are examples of these. They may seem good when buying your policy, but your needs may have changed so get rid of them and save.
  • Gender and insurance coverage rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both genders are in auto accidents in similar numbers, but the males cause more damage. Not only are claims higher, but men get more serious tickets like DUI and reckless driving. Male teenagers tend to get in the most accidents and therefore are the most expensive to insure.

Auto insurance policy specifics

Understanding the coverages of auto insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, surgery and funeral costs. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive auto insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, fire damage, a tree branch falling on your vehicle, hitting a deer and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This covers damage to your C/K 1500 Series resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle, driving through your garage door, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, legal defense fees, repair costs for stationary objects and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Never pay more for less

Some insurance companies don’t offer rate quotes online and many times these small insurance companies sell through independent agents. More affordable insurance can be sourced both online and from local agencies, and you should be comparing both to get a complete price analysis.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice full coverage only to regret that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

Additional insurance information can be found on the following sites: