How Much Does 1996 Chevrolet C/K 1500 Series Insurance Cost?

Are you a victim of an overpriced insurance policy? Trust us when we tell you you’re not the only one. Insurance companies such as GEICO, Farmers Insurance and State Farm persitently shower you with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

It’s a good habit to check insurance prices occasionally because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates for C/K Series insurance a few years ago there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about insurance because we’re going to show you how to use the internet to lower your annual insurance bill.

Chevy C/K 1500 Series rate determination is complex

It’s important that you understand the different types of things that help determine insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

  • Rural vs Urban Areas – Residing in small towns and rural areas is a positive aspect when insuring your vehicles. Lower population means fewer accidents and also fewer theft and vandalism claims. City drivers regularly have more traffic problems and a longer drive to work. Higher commute times translates into higher accident risk.
  • Men pay higher rates – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. They both have accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as reckless driving.
  • Adjust deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chevy. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and rolling your vehicle. Your deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the bigger discount you will receive for C/K Series insurance.
  • Lower rates come with age – Mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teen drivers are statistically proven to get distracted easily in a vehicle therefore insurance coverage rates are much higher.
  • Having a spouse can save you money – Getting married actually saves money on your policy. Marriage translates into being more mature and it’s proven that drivers who are married are more cautious.
  • Traffic violations increase rates – Even a single speeding ticket can increase rates forty percent or more. Good drivers receive lower rates compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Better crash test results mean better rates – Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Chevy C/K 1500 Series scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.

Policy discounts you shouldn’t miss

Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so here is a list both the well known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply until age 25.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for C/K Series insurance with select insurance companies.
  • No Accidents – Claim-free drivers can save substantially compared to accident-prone drivers.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
  • Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates when buying auto insurance for C/K Series insurance.

It’s important to understand that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, it just doesn’t work that way.

Car insurance companies that may have these discounts include:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered everywhere.

Insurance agents can help

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if you will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • If my pet gets injured in an accident are they covered?
  • Is my cargo covered for damage or theft?
  • Do I need added coverage for expensive stereo equipment?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is business property covered if stolen from my car?
  • Can I drive in Mexico and have coverage?
  • Am I insured when driving a different vehicle?

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. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, a broken windshield, hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states 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 have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy C/K 1500 Series.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability insurance can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like emergency aid, pain and suffering, legal defense fees, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your C/K 1500 Series caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Save for a rainy day

When you buy insurance online, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice full coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate.

Affordable 1996 Chevy C/K 1500 Series insurance can be found online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

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