Save on 1999 Chevrolet C/K 1500 Series Car Insurance Cost

Looking for cheaper auto insurance rates? Shoppers have lots of choices when shopping for low-cost Chevy C/K 1500 Series insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to find the lowest rates.

There are more efficient ways to buy auto insurance and we’ll show you the best way to quote coverages for your Chevy and locate the lowest price from both online companies and local agents.

You should make it a habit to compare prices quite often since rates go up and down regularly. Just because you had the best deal for C/K Series insurance a couple years back you can probably find a lower rate today. Starting now, ignore everything you know about auto insurance because it’s time to teach you how to use the internet to find lower rates on auto insurance.

Chevy C/K 1500 Series insurance rates are influenced by…

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to better car insurance rates.

The list below includes a partial list of the pieces companies use to determine prices.

  • Do you qualify for a multi-policy discount? – The majority of insurers will award you with lower prices to people who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to shop around to make sure you are getting the best deal.
  • Discounts for married couples – Having a wife or husband can get you a discount on car insurance. Having a spouse means you’re more responsible and it’s statistically proven that married couples file fewer claims.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Chevy C/K 1500 Series has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Always keep insurance in force – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time.
  • Liability coverage is peace of mind – The liability section of your policy will protect you when a court rules you are at fault for damages from an accident. It will provide legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Little extras can really add up – There are a lot of extra bells and whistles that can waste your money when buying car insurance. Insurance for rental car reimbursement, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don’t need them eliminate the coverages to reduce your premium.

How to save on 1999 Chevy C/K 1500 Series insurance

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Most are applied at the time of purchase, but lesser-known reductions have to be specifically requested before being credited. If you’re not getting every credit available, you’re paying more than you need to.

  • Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Senior Discount – Mature drivers can possibly qualify for better car insurance rates for C/K Series insurance.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy can earn lower rates on the low mileage vehicles.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies that may offer these benefits are:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts might not apply everywhere.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether or not you will benefit from professional help.

  • When do I need to add a new car to my policy?
  • Am I getting all the discounts available?
  • Do I have coverage when pulling a U-Haul trailer?
  • How do I insure my teen driver?
  • Do I need replacement cost coverage on my 1999 Chevy C/K 1500 Series?
  • Why is insurance for a teen driver so high?
  • Is my dog or cat covered if injured in an accident?
  • How can I force my company to pay a claim?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverage – This coverage provides protection from damage or injury you incur to people or other property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, loss of income, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy C/K 1500 Series.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, falling objects, damage from getting keyed, hitting a deer and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage – Med pay and PIP coverage pay for expenses for doctor visits, ambulance fees and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your C/K 1500 Series resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, scraping a guard rail, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

At the end of the day…

You just read quite a bit of information on how to lower your 1999 Chevy C/K 1500 Series insurance rates. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest priced insurance coverage comes from some of the lesser-known companies.

Affordable insurance is possible both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance providers may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, do not reduce coverage to reduce premium. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Much more information about insurance coverage is located at these links: