1997 Chevrolet C/K 1500 Series Insurance Rates

Searching for better auto insurance rates for your Chevrolet C/K 1500 Series? Pricey auto insurance can take a big chunk out of your checking account and put the squeeze on your family’s finances. Big companies like State Farm, Progressive and GEICO increase brand awareness with TV and radio ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

You should make it a habit to check auto insurance prices before your next renewal because auto insurance rates are constantly changing. Even if you got the best rate on C/K Series insurance last year other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

Lower-cost auto insurance rates with discounts

Auto insurance companies do not list the entire discount list very clearly, so the list below contains some of the more common and also the more inconspicuous discounts that you may qualify for. If they aren’t giving you every credit available, you are throwing money away.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy some life insurance too.
  • One Accident Forgiven – Not necessarily a discount, but companies like Progressive, State Farm and GEICO will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Military Deployment Discount – Having an actively deployed family member could mean lower rates.
  • Homeowners Savings – Owning your own home or condo can earn you a little savings because owning a home is proof that your finances are in order.
  • ABS Brakes – Cars with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
  • Data Collection Discounts – Policyholders that allow driving data collection to look at when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease if their driving habits are good.

Don’t be surprised that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way. Any qualifying discounts will reduce the cost of your policy.

For a list of auto insurance companies with significant discounts, click this link.

How to shop insurance online

Effectively comparing insurance prices can take time and effort if you don’t know the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies take part in a program that allows shoppers to complete one form, and each company can provide price quotes. This system prevents you from having to do quote requests to each individual insurance company.

To find out how much you’re overpaying now click to open in new window.

The only downside to getting quotes like this is that you can’t choose the companies to get pricing from. If you prefer to choose specific insurance companies to compare, we have a page of low cost insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just do your best to use the exact same coverage limits and deductibles with each company. If your comparisons have mixed coverages it’s impossible to determine the best price for your Chevy C/K 1500 Series.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine if you might need professional guidance.

  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Does my policy pay for OEM or aftermarket parts?
  • How much liability coverage do I need in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does having multiple vehicles earn me a discount?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How do I insure my teen driver?
  • Do I pay less for low miles?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Specific coverage details

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Collision protection

Collision coverage covers damage to your C/K 1500 Series caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for things like prosthetic devices, nursing services, EMT expenses and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy C/K 1500 Series.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, hail damage, rock chips in glass and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance

This protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as emergency aid, loss of income, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but buy as large an amount as possible.

In any little way, save everyday

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. In many cases, an accident victim reduced liability limits or collision coverage only to discover later that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Cheap 1997 Chevy C/K 1500 Series insurance can be purchased both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer price quotes online and most of the time these small, regional companies prefer to sell through independent insurance agencies.

Even more information can be read in the articles below: