Compare 1998 Chevrolet C/K 2500 Series Insurance Cost

Are you confused by the number of auto insurance company choices? Many other drivers are as well. There are so many options available that it can quickly become a real challenge to find better rates.

Save with discounts on Chevy C/K 2500 Series insurance

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but less common discounts must be specifically requested prior to getting the savings.

  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on C/K Series coverage than drivers with accident claims.
  • No Accidents – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on C/K Series coverage with a few auto insurance companies.
  • Homeowners Pay Less – Owning a house may earn you a small savings because maintaining a house demonstrates responsibility.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask each insurance company how you can save money. Savings may not apply in every state.

Free Quotes for Insurance Coverage

When shopping for insurance coverage there are multiple ways to compare rate quotes from local insurance coverage companies. The best way to compare 1998 Chevy C/K 2500 Series insurance prices is simply to get online rate quotes. This can be accomplished in a couple of different ways.

The recommended way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. One simple form gets rate comparisons from multiple companies. It’s definitely the quickest method.

Another way to shop for insurance coverage online consists of going to the website of each company to complete a price quote. For example, we’ll assume you want to compare rates from Auto-Owners, Safeco and Progressive. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

The least efficient way of comparing rate quotes is driving around to and from local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional advice only provided by licensed agents. You can, however, get the lowest quotes online but buy from a local insurance agent.

Whichever method you choose, make darn sure you compare apples-to-apples coverages and limits for every company. If you have different values for each quote you will not be able to determine the lowest rate for your Chevy C/K 2500 Series. Quoting even small variations in coverage limits may result in large price differences. Just keep in mind that getting more free quotes will enable you to find a lower rate.

Factors that might impact rates for a Chevy C/K 2500 Series

It’s important that you understand the different types of things that help determine your insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to lower insurance prices.

The following are some of the items used by your company to calculate prices.

  • Never allow your policy to lapse – Driving with no insurance can get your license suspended and insurance companies will penalize you for letting your insurance lapse. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Older drivers save more – More mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers are known to be careless and easily distracted when driving therefore insurance rates are much higher.
  • Traffic citations inflate rates – Just one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Do you qualify for a multi-policy discount? – Some insurers will give a discount to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Claim-free discounts can add up – Car insurance companies award discounts to drivers who do not file claims often. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can help discover whether you might need professional guidance.

  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Is my trailer covered?
  • Is my state a no-fault state?
  • Does my policy pay for OEM or aftermarket parts?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Can you really save $418 a year?

Car insurance providers like Geico, State Farm and Progressive consistently run ads on television and other media. They all make an identical promise that you can save if you change your coverage to them. How can each company make the same claim? It’s all in the numbers.

All companies have a preferred profile for the driver that makes them money. A good example of a driver they prefer could possibly be between 25 and 40, has no prior claims, and has excellent credit. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who are not a match for this ideal profile will be quoted more money and ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s the way companies can state the savings.

This emphasizes why you absolutely need to get as many comparisons as possible. It’s impossible to know which car insurance company will fit your personal profile best.

Insurance coverages and their meanings

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, fire damage, damage from getting keyed and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as X-ray expenses, nursing services and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This pays for damage to your C/K 2500 Series resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1998 Chevy C/K 2500 Series.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are set the same as your liablity limits.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair bills for other people’s vehicles, funeral expenses, emergency aid, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Spend less. Save more.

We just covered a lot of ways to save on 1998 Chevy C/K 2500 Series insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Drivers leave their current company for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, an unsatisfactory settlement offer and unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is easier than you think.

When you buy insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone dropped liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

More tips and info about car insurance can be found in these articles: