Lower Your 1994 Chevrolet C/K 1500 Series Car Insurance Rates

Scraping up a payment for overpriced Chevrolet C/K 1500 Series insurance can drain your personal savings, especially in this economy. Comparison shopping is a smart way to lower your monthly bill. Online insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to ignore the flashy ads and find the best price available.

You should make it a habit to take a look at other company’s rates before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best deal on C/K Series insurance a year ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest way to eliminate unnecessary coverages and save money.

If you have a current insurance policy or are just looking to switch companies, you can use this information to shop for the lowest rates and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to know the proper methods to compare price quotes online.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be asked about prior to getting the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on C/K Series insurance with certain companies.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • E-sign – Certain companies may give you up to $50 simply for signing over the internet.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.

It’s important to note that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will bring down your premiums.

A partial list of companies that may offer some of the above discounts include:

Check with each insurance company how you can save money. Savings might not be offered everywhere.

Comprehensive Auto Insurance Comparison Quotes

Getting better 1994 Chevy C/K 1500 Series auto insurance pricing is surprisingly easy. The only thing you need to do is take a few minutes to compare rate quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

The best way consumers can analyze rates is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do separate quotes to each individual auto insurance company. In just a few minutes this one form will get you price quotes from multiple companies.

A harder way to analyze rates requires visiting each individual company website to complete a price quote. For examples sake, we’ll assume you want rates from Progressive, Liberty Mutual and GMAC. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The hardest method of comparing rate quotes is to spend time driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance of a local agent. You can, however, compare the best prices online and get advice from an agent in your area and we’ll talk about that later.

It’s up to you which method you use, but be sure to compare exactly the same coverages for every quote you compare. If the quotes have different liability limits it will be next to impossible to determine which rate is truly the best.

Insurance agents can help

When choosing coverage, there really is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • Do I have coverage when using my vehicle for my home business?
  • How do I insure my teen driver?
  • How much liability insurance is required?
  • What is high-risk coverage and where do I buy it?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass, theft, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for things like dental work, EMT expenses, chiropractic care, X-ray expenses and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.


This coverage can cover damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, structural damage and funeral expenses. How much coverage you buy is your choice, but consider buying higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your C/K 1500 Series from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, colliding with a tree, hitting a parking meter, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Final considerations

In this article, we covered many tips how you can reduce 1994 Chevy C/K 1500 Series insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Progressive or GEICO.

Lower-priced insurance is available on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Additional car insurance information can be read below: