1990 Chevrolet C/K 2500 Series Car Insurance Rates
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UPDATED: May 12, 2022
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Searching for the cheapest insurance rates for your Chevrolet C/K 2500 Series? Tired of being strong-armed to buy car insurance? You are in the same boat as millions of other consumers. Big companies like Allstate, Liberty Mutual and State Farm all promote huge savings with catchy ads and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.
If you have a policy now or are shopping for new coverage, you can learn to cut your premiums and still get good coverage. Finding the best rates is not rocket science. Vehicle owners only need an understanding of the best way to get comparison rates online.
Don’t miss out on these money-saving discounts
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Most are applied when you get a quote, but some may not be applied and must be specially asked for prior to getting the savings. If you don’t get every credit possible, you are paying more than you should be.
- Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
- Resident Student – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
- Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
- Defensive Driver – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
- One Accident Forgiven – Certain companies permit an accident before your rates go up if you are claim-free for a certain period of time.
- Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
- Accident Free – Claim-free drivers can save substantially when compared with accident-prone drivers.
It’s important to understand that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.
For a list of insurance companies who offer auto insurance discounts, click here.
Do I need special coverages?
When it comes to buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I need added coverage for expensive stereo equipment?
- When would I need rental car insurance?
- Do I have newly-aquired coverage?
- I have health insurance so do I need medical payments coverage?
- Should I buy full coverage?
- What are the best liability limits?
- How much liability insurance is required?
- What is high-risk coverage and where do I buy it?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.
Coverages available on your policy
Knowing the specifics of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by auto insurance companies.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy C/K 2500 Series.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are set the same as your liablity limits.
Collision coverage covers damage to your C/K 2500 Series resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.
This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a bird and theft. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability insurance protects you from damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others, and doesn’t 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. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability insurance covers things such as medical expenses, emergency aid, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like funeral costs, prosthetic devices, doctor visits and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Stretch your dollar
We just covered a lot of tips how to compare 1990 Chevy C/K 2500 Series insurance prices online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest premiums are with an unexpected company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.
Budget-conscious insurance can be sourced from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.
When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured cut liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.
More information is available on the following sites:
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Child Safety FAQ (iihs.org)
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