Save on 1996 Chevrolet C/K 2500 Series Car Insurance Rates

Sick and tired of paying out the nose each month for car insurance? You are in the same boat as most other car owners. You have multiple car insurance companies to choose from, and even though it’s nice to have multiple companies, having more car insurance companies makes it harder to find the lowest rates.

It’s important to get comparison quotes at least once a year since rates go up and down regularly. Even if you think you had the lowest rates for C/K Series insurance a couple years back a different company probably has better rates today. You can find a lot of misleading information regarding insurance coverage online but I’m going to show you the easiest ways to slash your insurance coverage rates.

Finding affordable coverage is not that difficult. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Vehicle owners only need an understanding of the proper methods to shop for insurance over the internet.

How much can you save with discounts?

Companies that sell car insurance do not advertise every available discount in a way that’s easy to find, so we researched some of the more common as well as the least known ways to save on insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • No Claims – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Own a Home – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • More Vehicles More Savings – Having multiple cars or trucks on the same insurance policy could earn a price break for each car.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Memberships – Participating in a qualifying organization is a good way to get lower rates on insurance for C/K Series insurance.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for C/K Series insurance with certain companies.

It’s important to understand that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you’re out of luck.

A partial list of companies that possibly offer some of the above discounts are:

It’s a good idea to ask each company what discounts are available to you. Some discounts might not apply in your state.

Parts of the Chevy C/K 2500 Series rate equation

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for insurance coverage. Knowing what determines base rates helps enable you to make changes that can help you get big savings.

Shown below are some of the factors that factor into your rates.

  • Rate your vehicle for proper use – Driving more miles every year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance coverage coverage shows the proper vehicle usage, because it can save money. If your policy improperly rates your C/K 2500 Series may be wasting your money.
  • Low deductibles can be expensive – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Chevy. Examples of covered claims are running into the backend of another car, collision with an animal, and burglary. Physical damage deductibles are how much you are willing to pay out-of-pocket before your insurance coverage pays a claim. The more money you’re willing to pay, the less your company will charge you for insurance for C/K Series insurance.
  • Liability coverage is peace of mind – The liability section of your policy is the protection in the event that you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Men and women cause accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Younger drivers pay higher rates – More mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers tend to be careless and easily distracted when driving and because of this, their insurance coverage rates are much higher.
  • Too many insurance coverage claims drive up costs – Auto insurance companies give cheaper rates to drivers who file claims infrequently. If you are a frequent claim filer, you can look forward to higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Theft deterrents lower rates – Owning a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Having a spouse can save you money – Being married actually saves money when buying insurance coverage. It translates into being more mature it has been statistically shown that married couples file fewer claims.

How much car insurance do I need?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Should I buy additional glass protection?
  • Am I insured when driving a different vehicle?
  • Is business property covered if stolen from my car?
  • Who is covered when they drive my 1996 Chevy C/K 2500 Series?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I pay less if my vehicle is kept in my garage?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Car insurance ads bend the truth

Drivers can’t ignore all the ads for car insurance savings from the likes of Progressive, Allstate and GEICO. All the companies make an identical promise that you can save if you change your coverage to them.

How can each company say the same thing? This is how they do it.

Different companies are able to cherry pick for the type of customer that makes them money. A good example of a profitable customer might be profiled as between the ages of 30 and 50, has no prior claims, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who are not a match for these standards will be charged higher rates and this can result in the customer not buying. The ads state “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently advertise the savings. That is why it’s extremely important to quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.

Specifics of your auto insurance policy

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Liability coverages

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as funeral expenses, bail bonds, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like hospital visits, dental work and EMT expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy C/K 2500 Series.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, damage from getting keyed, fire damage and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Saving money makes a lot of cents

Budget-conscious 1996 Chevy C/K 2500 Series insurance can be found both online and with local insurance agents, so compare prices from both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

We’ve covered many ideas to lower your insurance rates. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a small local company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

As you prepare to switch companies, never reduce needed coverages to save money. There have been many cases where an insured cut physical damage coverage only to discover later that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

To read more, take a look at the resources below: