Looking for cheaper car insurance rates for your Chevrolet C/K 1500 Series? I can’t think of a single person who likes paying for car insurance, especially knowing their premiums are through the roof.
Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate
If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. Choosing the best insurance company for you is not rocket science. But drivers do need to understand the methods companies use to price online insurance and apply this information to your search.
The best way to compare insurance rates from multiple companies is to know almost all companies provide online access to give free rates quotes. The only thing you need to do is give the companies some data like driver details, marital status, your credit rating estimate, and daily mileage. Your information is then sent to insurance carriers in your area and they provide comparison quotes instantly to find the best rate.
Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Most are applied when you purchase, but some may not be applied and must be requested specifically before you will receive the discount.
It’s important to note that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.
Insurance companies that possibly offer these money-saving discounts are:
Before buying, ask each insurance company which discounts you may be entitled to. Savings may not be available in your state.
When choosing coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they 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 carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.
Collision coverage covers damage to your C/K 1500 Series resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like bail bonds, pain and suffering, structural damage, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as fire damage, hitting a deer, damage from getting keyed, theft and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Coverage for medical payments and/or PIP pay for expenses for things like dental work, doctor visits, funeral costs, nursing services and pain medications. They are often 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 and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay