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.
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.
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.
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.
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.
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.
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 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.
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.
Additional insurance information is available below: