Compare 1996 Chevrolet C/K 1500 Series Insurance Quotes

Trying to find lower car insurance rates for your Chevrolet C/K 1500 Series? Searching for low-cost insurance for your Chevy C/K 1500 Series could be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to find car insurance online so we’re going to tell you the proper way to compare rates for a Chevy and find the lowest price from both online companies and local agents.

How to compare free car insurance price quotes

Performing a rate comparison can be exhausting if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon talking to insurance companies in your area, or you could save time and use the web to maximize your effort.

All the larger companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each participating company can give them a price for coverage. This eliminates the need for repetitive form submissions to every company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to comparing rates this way is you can’t choose the companies you will receive quotes from. So if you want to choose specific insurance companies to compare prices, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but make sure you compare equivalent coverage limits for every quote you compare. If you have higher or lower deductibles you will not be able to make a fair comparison for your Chevy C/K 1500 Series.

Get cheap auto insurance quotes with discounts

Car insurance companies don’t always publicize every disount available very clearly, so the following is a list of both well-publicized and the more hidden credits available to you.

  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • Military Rewards – Being on active deployment in the military may lower your prices slightly.
  • Renewal Discounts – Select auto insurance companies give a discount for switching companies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Senior Citizen Rates – Mature drivers are able to get a slight reduction on a auto insurance quote for C/K Series insurance.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you will save approximately 10% to 15%.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off for C/K Series insurance with a few auto insurance companies.
  • Multiple Cars – Purchasing coverage when you have several vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
  • Driving Data Discount – Insureds that choose to allow driving data collection to study their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as they are good drivers.

It’s important to understand that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

To see insurers offering auto insurance discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • Does my personal policy cover me when driving out-of-state?
  • What if I total my 1996 Chevy C/K 1500 Series and owe more than it’s worth?
  • Am I covered if I hit a deer?
  • How high should my medical payments coverage be?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage considerations

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability insurance

This coverage protects you from damage that occurs to people or other property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like legal defense fees, pain and suffering, loss of income and medical services. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass, fire damage, damage from a tornado or hurricane and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This pays for damage to your C/K 1500 Series from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Chevy C/K 1500 Series.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are set the same as your liablity limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as ambulance fees, doctor visits, hospital visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Take this to the bank

Consumers leave their current company for any number of reasons including delays in responding to claim requests, questionable increases in premium, being labeled a high risk driver or even delays in paying claims. Regardless of your reason, choosing a new company is easier than you think.

When you buy auto insurance online, you should never buy less coverage just to save a little money. In many instances, someone sacrificed liability coverage limits to discover at claim time they didn’t have enough coverage. The proper strategy is to find the BEST coverage at the best price, not the least amount of coverage.

Cheap 1996 Chevy C/K 1500 Series insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies may not have rate quotes online and most of the time these small, regional companies work with local independent agencies.

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