1998 Chevrolet C/K 1500 Series Insurance Rates – 6 Tricks for Best Quotes

Do you get frustrated by the sheer number of auto insurance companies that you can choose from? You’re not alone. people have such a large number of options that it can really be a lot of work to find better rates.

It’s a good habit to quote other rates before your next renewal due to the fact that insurance prices trend upward over time. Just because you had the best price on C/K Series insurance last year you can probably find a better rate now. Forget all the misinformation about auto insurance because I’m going to teach you one of the easiest ways to save money, get proper coverage and the best rates.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, every driver who buys insurance coverage will be able to reduce their rates. Nevertheless, car owners must know the way insurance companies market on the web and take advantage of how the system works.

Buy auto insurance online

When comparison shopping, there are several ways of comparing rate quotes from companies that offer auto insurance in your state. The easiest way by far to find affordable 1998 Chevy C/K 1500 Series insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  • If you’re in a hurry, the quickest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate quotes for each price estimate. In just a few minutes this one form gets coverage cost estimates from multiple companies. It’s the fastest way to compare.
  • A different way to compare prices consists of visiting each company website and fill out their own quote form. For instance, we’ll pretend you want to view quotes from USAA, Safeco and Farmers. You would have to take the time to go to each site and repeatedly enter your information, which can get rather old.

    To view a list of companies in your area, click here.

The approach you take is up to you, just try to keep the exact same deductibles and coverage limits for each comparison quote. If you enter higher or lower deductibles it will be nearly impossible to make a fair comparison for your Chevy C/K 1500 Series. Even a minor difference in coverage limits can result in a big premium difference. Keep in mind that having more price comparisons helps improve the odds of finding the best rates.

Lower-cost insurance rates with discounts

Insurance is easily one of your largest bills, but there are discounts available that many people don’t even know exist. A few discounts will be applied at the time you complete a quote, but some must be asked for before being credited.

  • Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
  • Anti-lock Brake System – Vehicles that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • First Accident Forgiveness – Not really a discount, but companies like Liberty Mutual and GEICO allow you one accident before your rates go up if you are claim-free for a specific time period.
  • Discount for Low Mileage – Keeping the miles down on your Chevy may allow you to get substantially lower prices.
  • Professional Memberships – Being in certain professional organizations can get you a small discount on your next renewal.
  • Data Collection Discounts – Drivers who agree to allow their company to monitor vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates if they show good driving skills.

One thing to note about discounts is that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

If you would like to choose from a list of providers with discount insurance rates, click this link.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether or not you may require specific advice.

  • Should I have a commercial auto policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How does medical payments coverage work?
  • Does my car insurance cover rental cars?
  • Does car insurance cover theft of personal property?
  • What if I total my 1998 Chevy C/K 1500 Series and owe more than it’s worth?
  • Is my custom paint covered by insurance?
  • Are rock chip repairs covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage information

Having a good grasp of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses like X-ray expenses, surgery and hospital visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage will pay to fix damage to your C/K 1500 Series resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, crashing into a ditch and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Coverage for liability

This will cover injuries or damage you cause to a person or their property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, attorney fees and emergency aid. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive coverage

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

Comprehensive coverage protects against things such as vandalism, theft, hitting a deer, hitting a bird and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

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

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Buy online or local, you save

When shopping online for insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. The goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, policy non-renewal, being labeled a high risk driver and poor customer service. It doesn’t matter why you want to switch switching insurance coverage companies is easier than you think.

We just covered a lot of information how to reduce 1998 Chevy C/K 1500 Series insurance car insurance rates online. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding cheap car insurance. Drivers may discover the most savings is with the smaller companies.

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