Locating the cheapest insurance for a Chevy C/K 1500 Series can normally be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to buy insurance coverage so you’re going to learn the quickest way to price shop coverage on a Chevy and get the lowest possible price.
Companies offering auto insurance don’t always publicize every discount very well, so here is a list both the well known and the more hidden ways to save on insurance coverage. If you don’t get every credit available, you’re just leaving money on the table.
You should keep in mind that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works.
Popular insurance coverage companies and some of their more popular discounts are included below.
If you need cheaper car insurance quotes, ask every company what discounts are available to you. A few discounts may not be offered in your area. To see insurance coverage companies with the best insurance coverage discounts, click here.
When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.
Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.
Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer, damage from flooding, fire damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability coverage
This protects you from damages or injuries you inflict on other’s property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability can pay for claims like bail bonds, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your 1994 Chevy C/K 1500 Series.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for expenses like nursing services, ambulance fees, pain medications, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Collision insurance
Collision insurance will pay to fix damage to your C/K 1500 Series caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like driving through your garage door, scraping a guard rail, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Drivers change insurance companies for many reasons like not issuing a premium refund, delays in paying claims, high prices and even extreme rates for teen drivers. Whatever your reason, finding a great new company is not as difficult as it may seem.
In this article, we presented a lot of tips how to compare 1994 Chevy C/K 1500 Series insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company.
As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. In too many instances, someone sacrificed collision coverage and learned later that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.