1995 Chevrolet C/K 1500 Series Car Insurance Cost

Trying to find the cheapest auto insurance rates for your Chevrolet C/K 1500 Series? Are you tired of not being able to afford each month for car insurance? Your situation is no different than millions of other consumers. Consumers have many insurance companies to buy insurance from, and even though it’s nice to be able to choose, having more insurance companies makes it harder to compare rates and cut insurance costs.

Save on 1995 Chevy C/K 1500 Series insurance

Car insurance companies don’t list every available discount very clearly, so we researched both the well known and also the lesser-known ways to save on auto insurance. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Safety Course Discount – Completing a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Accident Free – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on C/K Series coverage than their less cautious counterparts.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Multiple Policy Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

Insurance companies that may offer these discounts include:

Double check with each insurance company how you can save money. Discounts might not be offered in your state.

Finding Car Insurance

There are a variety of methods you can shop for 1995 Chevy C/K 1500 Series car insurance but one way is more efficient than others. You could waste a few hours talking about coverages with agents in your area, or you could save time and use online quoting to get pricing more quickly.

Many insurance companies participate in a marketplace that enables customers to submit one quote, and each company returns a competitive quote based on that data. This system prevents you from having to do form submissions to every company. To compare 1995 Chevy C/K 1500 Series rates using this form now click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which carriers you will receive quotes from. If you would rather choose from a list of companies to request quotes from, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, be sure to compare exactly the same coverage information on every quote you get. If you compare different values for each quote you will not be able to make an equal comparison.

Chevy C/K 1500 Series rates are complex

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Shown below are a few of the “ingredients” auto insurance companies consider when setting rates.

  • Consolidate policies to earn discounts – Many insurance companies will give a discount to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to verify if the discount is saving money. You may still find better rates by buying insurance from more than one company.
  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Never go without insurance – Driving without insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, failure to provide proof of insurance can result in a license revocation or jail time.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Older drivers save more – Teen drivers are statistically proven to get distracted easily when driving so they pay higher auto insurance rates. Adding a teen driver to your policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages you can purchase when buying auto insurance. Coverages for vanishing deductibles, better glass coverage and term life insurance may be wasting your money. They may seem good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Chevy C/K 1500 Series is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Adjust deductibles and save – The deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more you’re willing to pay, the bigger discount you will receive on C/K Series coverage.
  • Pleasure use saves money – The more you drive every year the higher your rate. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your C/K 1500 Series may be wasting your money.

Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might point out whether you will benefit from professional help.

  • How can I get my company to pay me more for my totalled car?
  • Am I covered if I hit a deer?
  • Does having multiple vehicles earn me a discount?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when using my vehicle for business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When do I need to add a new car to my policy?
  • Should I carry comprehensive and collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Insurance coverages 101

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills such as surgery, hospital visits, prosthetic devices, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

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

Collision coverage protects against claims such as crashing into a building, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as pain and suffering, bail bonds, emergency aid, funeral expenses and structural damage. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, theft, damage from a tornado or hurricane and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy C/K 1500 Series.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Save your cold hard cash

The cheapest 1995 Chevy C/K 1500 Series insurance is attainable both online and also from your neighborhood agents, so compare prices from both to have the best selection. Some insurance providers may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed liability coverage limits only to discover later that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best price.

We just showed you many tips how you can shop for insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the most savings is with a company that doesn’t do a lot of advertising. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

More detailed insurance coverage information can be read at these sites: