View 1995 Chevrolet C/K 1500 Series Insurance Rates

Finding affordable insurance is nearly impossible for consumers not familiar with buying insurance online. Drivers have so many options available that it can easily become a big hassle to compare prices.

You should make it a habit to do rate comparisons every six months because prices are constantly changing. Even if you think you had the lowest rates on C/K Series insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

Best discounts on Chevy C/K 1500 Series coverage

Companies don’t necessarily list all available discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Club Memberships – Affiliation with certain professional organizations could trigger savings on your policy on C/K Series insurance.
  • Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with better rates on cars that stay parked.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on C/K Series insurance than their less cautious counterparts.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Claim Free – Claim-free drivers pay less when compared with frequent claim filers.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of companies offering car insurance discounts, click here.

Parts of the Chevy C/K 1500 Series rate equation

An important part of buying insurance is that you know the factors that go into determining auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Listed below are some of the factors auto insurance companies consider when setting rates.

  • Choose a safe vehicle and save – Safer cars tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If the Chevy C/K 1500 Series earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Pay less after the wedding – Getting married helps lower the price on your auto insurance policy. Having a significant other translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Bundling policies can get discounts – Most companies will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by buying auto insurance from a different company.
  • Protect yourself with liability coverage – The liability section of your policy is the coverage that protects you in the event that you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions might point out if your situation could use an agent’s help.

  • When does my teenage driver need to be added to my policy?
  • When would I need rental car insurance?
  • Does my car insurance cover rental cars?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving on a suspended license?
  • Why am I required to get a high-risk car insurance policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my state a no-fault state?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Learn about auto insurance coverages for a Chevy C/K 1500 Series

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for liability

This will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

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 liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects, medical services, structural damage and emergency aid. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Auto collision coverage

This pays for damage to your C/K 1500 Series caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, rolling your car, hitting a mailbox, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage gives you protection from other motorists when they 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 1500 Series.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, hitting a deer and vandalism. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for X-ray expenses, ambulance fees, chiropractic care, doctor visits and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Keep this in mind

We just showed you some good ideas how to reduce 1995 Chevy C/K 1500 Series insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from some of the smallest insurance companies.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone dropped full coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, being labeled a high risk driver or even delays in responding to claim requests. Regardless of your reason for switching companies, switching companies can be less work than you think.

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