How Much Does 1999 Chevrolet C/K 1500 Series Car Insurance Cost?

Did a good deal turn out to be an overpriced insurance coverage policy? Believe me, there are many drivers thinking the same thing.

Since drivers have many insurance providers from which to choose, it is hard for the average consumer to locate the lowest cost insurance coverage provider.

Affordable insurance rates with discounts

The cost of insuring your cars can be expensive, but there could be available discounts that could help you make your next renewal payment. Certain credits will be shown at the time you complete a quote, but less common discounts must be inquired about before you get the savings.

  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts up to 30%.
  • Renewal Discounts – Some larger companies give discounts for signing up prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Waiver for an Accident – but companies like Allstate and Progressive will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Professional Memberships – Being a member of a professional or civic organization could earn you a nice discount when shopping for insurance.
  • Homeowners Discount – Owning a home can earn you a little savings because maintaining a house is proof of financial responsibility.

One thing to note about discounts is that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

If you would like to choose from a list of providers who offer cheap insurance quotes, click here.

How to compare car insurance price quotes

Shopping for lower car insurance rates can be challenging if you don’t utilize the easiest way. You could waste time discussing policy coverages with agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing based on that information. This saves time by eliminating form submissions for every car insurance company.

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The only downside to using this type of form is buyers cannot specifically choose which insurance companies to receive prices from. If you wish to select from a list of companies for rate comparison, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage data on every price quote you get. If you compare different data you will not be able to make a fair rate comparison. Quoting even small variations in limits could mean much higher rates. And when price shopping your coverage, getting more free quotes increases the change that you will find better pricing. Not every company allows you to get rate quotes online, so you should also compare price estimates from the smaller companies as well.

How car insurance companies calculate Chevy C/K 1500 Series insurance premiums

Many factors are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although others are not as apparent such as your marital status and annual miles driven.

  • Low deductibles mean high rates – Physical damage coverage, also known as collision and other-than-collision, protects your Chevy from damage. Some instances where coverage would apply would be a broken side mirror, hail damage, and damage from a fallen tree branch. The deductibles state the amount of money you are required to spend before your insurance pays a claim. The more of the claim you have to pay, the bigger discount you will receive for C/K Series coverage.
  • Liability protection limits are a factor – Your policy’s liability coverage will provide protection in the event that you are responsible for physical damage or personal injury to other. This coverage provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.
  • Frequent claims will cost more – If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Car insurance companies give most affordable rates to people who file claims infrequently. Auto insurance is designed for more catestrophic claims.
  • More people means more accidents – Choosing to live in less populated areas is a positive aspect when shopping for auto insurance. City drivers tend to have congested traffic and more time behind the wheel. Lower population corresponds to lower accident rates and lower theft and vandalism rates.
  • Excellent credit means lower rates – Having a bad credit rating is a large factor in determining what you pay. Therefore, if your credit history is not that good, you could potentially save money when insuring your 1999 Chevrolet C/K 1500 Series by taking the time to improve your credit score. Consumers who have high credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings.
  • Older drivers are lower risk – Older insureds are shown to be more cautious, cost insurance companies less in claims and receive fewer citations.Teenage drivers are known to be inattentive with other occupants in the car so they pay higher insurance rates.
  • Combine policies with the same company – Most insurers allow lower prices to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare other insurance prices to verify if the discount is saving money. It’s possible to still save even more than the discount by buying from different companies
  • Deter theft and pay less – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your car from being stolen.

Tailor your auto insurance coverage to you

When buying coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight if your insurance needs will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I drive in a foreign country?
  • Should I buy full coverage?
  • Am I covered when driving a rental car?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

The ad said I’d save $456 a year!

Auto insurance companies such as State Farm and Allstate consistently run television and radio advertisements. They all make the point that drivers will save a bundle after switching to their company. How does each company save you money? It’s all in the numbers.

Insurance companies have specific characteristics for the type of customer that will not have excessive claims. One example of a profitable insured should be over the age of 45, has a clean driving record, and chooses high deductibles. A propective insured who fits those characteristics will get low car insurance rates and have a good chance to save money with a new company.

Potential customers who do not fit these standards must pay higher premium rates and this can result in the prospect going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. This is how companies can truthfully make those claims.

This emphasizes why you really should get as many free insurance quotes as possible. It’s not possible to predict which company will have the best car insurance rates for your profile.

Car insurance coverages for a 1999 Chevy C/K 1500 Series

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, fire damage, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like bail bonds, pain and suffering, court costs and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage pays to fix your vehicle from damage 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 coverage pays for things like sideswiping another vehicle, scraping a guard rail, crashing into a building, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

Medical expense insurance – Med pay and PIP coverage kick in for bills for prosthetic devices, ambulance fees, pain medications and hospital visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Chevy C/K 1500 Series.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Quote more. Save more.

Throughout this article, we presented many ideas to lower your 1999 Chevy C/K 1500 Series insurance prices. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with the smaller companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

Budget-friendly insurance coverage can be found on the web as well as from insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and these smaller companies only sell through independent agencies.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. Too many times, an accident victim reduced liability limits or collision coverage only to find out that it was a big mistake. Your aim should be to buy enough coverage at the best cost while still protecting your assets.

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