1996 Chevrolet C/K 2500 Series Insurance Rates

Trying to find the cheapest insurance rates for your Chevrolet C/K 2500 Series? Searching for the cheapest insurance for a Chevy C/K 2500 Series can be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to compare insurance rates so we’re going to tell you the proper way to price shop coverage on a Chevy and obtain the best price possible from both online companies and local agents.

If you are insured now or need new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. Shopping for cheaper insurance coverage coverage is not that difficult. Vehicle owners just need to know the most effective way to shop online.

Low cost auto insurance price quotes online

Getting a cheaper price on 1996 Chevy C/K 2500 Series insurance is an easy way to save money. All you need to do is take the time to compare free car insurance quotes from different insurance companies. Price comparisons can be done in several different ways.

If you don’t have a lot of time, the easiest way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This quick form keeps you from doing multiple quote forms for every company. In just a few minutes this one form gets prices estimates direct from many companies. It’s the fastest way to compare.
Another way to find better pricing requires a visit to each company website and fill out their own quote form. For examples sake, we’ll assume you want rates from Auto-Owners, Esurance and Farmers. You would need to take the time to go to each site and repeatedly type in your coverage information, which can get old fast. For a list of companies in your area, click here.
The most time-consuming method to get price estimates is going to insurance agents’ offices. The ability to quote online makes this unnecessary unless you’re the type of person who wants the trained guidance of a local agency. You can, however, get the lowest quotes online but buy the policy through an agent.

The method you choose is up to you, but ensure you’re using the exact same coverage data on every price quote you get. If your comparisons have different data it will be impossible to decipher which rate is best.

Discounts can really help lower premiums

Some insurance providers don’t necessarily list every policy discount very well, so the following list contains some of the best known and the more hidden credits available to lower your premiums when you buy car insurance online.

Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for C/K Series coverage depending on your company.
Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
Memberships – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums on your bill.
Good Grades Discount – Performing well in school may save as much as 25% on a car insurance quote. The good student discount can last up until you turn 25.
Discounts for Good Drivers – Drivers who avoid accidents can save up to 40% or more on their car insurance quote for C/K Series coverage than drivers with accidents.
Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.
Telematics Devices – People who choose to allow their car insurance company to look at driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.
Driver Training Discounts – Participating in a driver safety class is a good idea and can lower rates and easily recoup the cost of the course.
Own a Home – Just being a homeowner can save you money since home ownership means you have a higher level of financial diligence.
Distant Student – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.

It’s important to note that most discount credits are not given to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.

A list of car insurance companies and some of their more popular discounts are included below.

American Family discounts include accident-free, multi-vehicle, good driver, TimeAway discount, and early bird.
State Farm has savings for student away at school, driver’s education, multiple policy, anti-theft, defensive driving training, and Drive Safe & Save.
21st Century has discounts for teen driver, theft prevention, automatic seat belts, defensive driver, early bird, and 55 and older.
Travelers offers premium reductions for payment discounts, multi-policy, continuous insurance, student away at school, hybrid/electric vehicle, save driver, and IntelliDrive.
GEICO may include discounts for defensive driver, daytime running lights, membership and employees, multi-policy, and anti-lock brakes.

Before you buy a policy, ask every prospective company to apply every possible discount. Discounts might not be offered in your state. To see a list of providers that have a full spectrum of discounts, click here to view.

Will just any policy work for me?

When choosing coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation will benefit from professional help.

Does my policy cover my teen driver if they drive my company car?
Is a new car covered when I drive it off the dealer lot?
Do I really need UM/UIM coverage?
Can I drive in Mexico and have coverage?
How can I get my company to pay me more for my totalled car?
Are my friends covered when driving my 1996 Chevy C/K 2500 Series?
Can I rent a car in Mexico?
Can my babysitter drive my car?
What is an SR-22 filing?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Insurance coverages 101

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills like doctor visits, funeral costs, rehabilitation expenses and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability auto insurance

Liability coverage will cover damage or injury you incur to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, attorney fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, vandalism and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage pays for damage to your C/K 2500 Series from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

1996 Chevrolet C/K 2500 Series Insurance Rates – 10 Tips for Cheaper Quotes