Lower Your 1995 Chevrolet C/K 1500 Series Car Insurance Quotes

I really doubt anyone likes having to buy auto insurance, especially when they are aware that the price is too high. Many auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate possible.

How to get cheap car insurance

Most larger insurance companies like GEICO, State Farm and Progressive make it easy to get prices on the web. Getting prices online is quite easy because it’s just a matter of typing in the coverage amounts you desire into the form. After the form is submitted, their quoting system automatically retrieves your credit score and driving record and generates a price based on the information you submitted. This makes it a lot easier to compare rates but the process of having to visit multiple sites and complete many quote forms is a big time waster. Unfortunately, it is important to have as many quotes as possible if you want to get the lowest car insurance rates.

The easiest way to get multiple rate quotes uses just one form that gets prices from several companies at one time. It saves time, eliminates repetitive work, and makes online quotes much more enjoyable. Immediately after submitting the form, it is rated and you can select any of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It only takes a few minutes and may save quite a bit of money.

To quickly use this form to compare rates, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter deductibles and limits just like they are on your policy. Doing this guarantees you will receive a price comparison for similar insurance coverage.

Do you qualify for discount car insurance?

Insuring your fleet can be pricey, but there’s a good chance there are discounts that could help you make your next renewal payment. Some of these disounts will be visible when you get a quote, but some may not be applied and must be manually applied before you get the savings.

  • Early Renewal Discounts – A few car insurance companies allow discounts for buying a policy prior to your current policy expiration. This discount can save up to 10%.
  • Paperless Signup – A handful of car insurance companies will provide an incentive just for signing your application on the internet.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could save at least 10% off all policies.
  • Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on C/K Series coverage with select insurance companies.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Save with More Vehicles Insured – Having several vehicles with the same company qualifies for this discount.
  • Student Discounts – Maintaining excellent grades may save you up to 25%. This discount can apply well after school through age 25.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

The best car insurance companies and a selection of discounts are included below.

  • Travelers has savings for multi-policy, new car, payment discounts, good student, early quote, IntelliDrive, and save driver.
  • 21st Century may have discounts that include theft prevention, teen driver, anti-lock brakes, air bags, good student, and student driver.
  • State Farm has discounts for defensive driving training, good driver, safe vehicle, multiple policy, accident-free, and driver’s education.
  • GEICO offers discounts including membership and employees, multi-policy, daytime running lights, seat belt use, military active duty, and air bags.
  • SAFECO discounts include anti-lock brakes, multi-car, homeowner, bundle discounts, accident prevention training, drive less, and safe driver.
  • AAA includes discounts for education and occupation, AAA membership discount, pay-in-full, good student, anti-theft, and multi-car.

If you need cheaper insurance coverage quotes, ask each company or agent which discounts they offer. All car insurance discounts may not be offered in your area. To find insurers who offer discounts, click here to view.

Learn how to lower your insurance prices

Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are not as apparent such as your credit history or your vehicle rating.

  • Rates increase with driving citations – Having a single speeding ticket can boost insurance rates twenty percent or more. Drivers with clean records get better rates as compared to careless drivers. Drivers who have dangerous violations such as DUI, reckless driving or excessive speeding are required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Good credit scores equal low premiums – Having a bad credit rating can be an important factor in determining what you pay for insurance. People that have excellent credit scores tend to be more responsible than drivers with lower credit scores. If your credit is low, you could be paying less to insure your 1995 Chevrolet C/K 1500 Series by improving your credit score.
  • Extra policy coverages that may not be needed – There are a lot of extra add-on coverages that you can buy if you aren’t diligent. Coverages like rental car coverage, accidental death, and extra life insurance coverage are some examples. You may think they are a good idea when deciding what coverages you need, but your needs may have changed so think about removing them and cutting costs.
  • Does insurance cost more for guys? – The statistics show females are less aggressive when driving. However, don’t assume that women are better drivers. They both are responsible for accidents in similar numbers, but the male of the species have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident so they pay the highest premiums.
  • Employer can influence rates – Jobs like judgesairline pilots and stock brokers tend to pay higher rates than average attributed to job stress and incredibly demanding work hours. Other professions such as scientists, athletes and the unemployed receive lower rates on C/K Series coverage.
  • Teenagers are high risk – Older drivers tend to be more responsible, cost insurance companies less in claims .Teen drivers are statistically proven to be less responsible behind the wheel therefore insurance rates are much higher.

What insurance coverages do I need?

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation might need professional guidance.

  • What is no-fault insurance?
  • Do I have coverage if my license is suspended?
  • Can I afford low physical damage deductibles?
  • What if I owe more than I can insure my car for?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I drive in Mexico and have coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the ISO rating for a 1995 Chevy C/K 1500 Series?
  • Do I need replacement cost coverage on my 1995 Chevy C/K 1500 Series?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to 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 provide invaluable advice.

Advertising and auto insurance

Consumers can’t ignore all the ads that claim the lowest premium rates from the likes of GEICO, State Farm and Progressive. All the companies make the point about how much you will save just by moving to their company.

How can each company save you money? Here is how they do it.

Auto insurance companies have specific characteristics for the type of insured that earns them a profit. One example of a driver they prefer might be a mature driver, has other policies, and drives a car with an anti-theft system. Any customer that matches those criteria gets the lowest car insurance rates and most likely will save money with a new company.

Consumers who don’t measure up to these stringent criteria will be quoted higher premium rates which leads to the customer not buying. Company advertisements say “drivers that switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully state the savings.

This really drives home the point why you absolutely need to compare rate quotes every year. It’s impossible to know which company will be your best fit.

Auto insurance coverages

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, fire damage, a tree branch falling on your vehicle and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like X-ray expenses, rehabilitation expenses, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages – This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as bail bonds, medical services, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are set the same as your liablity limits.

Collision coverage – Collision coverage covers damage to your C/K 1500 Series caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

A little work can save a LOT of money

We covered some good ideas how you can reduce 1995 Chevy C/K 1500 Series insurance auto insurance rates online. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may even discover the lowest auto insurance rates come from some of the smallest insurance companies. These companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

Some insurance companies may not provide online rate quotes and these small insurance companies work with independent insurance agents. Budget-conscious 1995 Chevy C/K 1500 Series insurance is available from both online companies in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money.

When shopping online for car insurance, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

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