1991 Chevrolet C/K 2500 Series Insurance Quotes – 6 Savings Tips

Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Because there are so many companies to choose from, it can be challenging to pick the lowest cost provider.

You need to get comparison quotes periodically because insurance rates trend upward over time. Even if you got the lowest rates on C/K Series coverage a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding insurance coverage on the web, but we’re going to give you some solid techniques on how to stop overpaying for insurance.

Compare the Market for Auto Insurance

To find the best auto insurance prices, there are several ways of comparing price quotes from different insurance companies. The best way to compare 1991 Chevy C/K 2500 Series insurance prices is to get quotes online. This can be done in just a few minutes using one of these methods.

  1. The fastest way to get quotes would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for each company you want a rate for. A single, simple form will get you rate comparisons from auto insurance companies with the best prices.
  2. A more difficult way to analyze rates consists of visiting the website of each company to complete their respective quote request forms. For examples sake, let’s say you want rates from Farmers, 21st Century and American Family. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The hardest way to compare rates is to drive around to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you want the professional guidance only provided by licensed agents. You can, however, price shop online and get advice from an agent in your area. We’ll cover that shortly.

Whichever method you choose, ensure you are comparing exactly the same quote information for every quote you compare. If the quotes have higher or lower deductibles you will not be able to find the best deal for your Chevy C/K 2500 Series. Slightly different coverage limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might help in determining if you would benefit from an agent’s advice.

  • Do I need more liability coverage?
  • When should my teen driver be added to my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why is insurance for a teen driver so high?
  • Exactly who is provided coverage by my policy?
  • How many claims can I have before being cancelled?
  • Am I covered if I wreck a rental car?
  • Do I have coverage when pulling a U-Haul trailer?
  • How much liability insurance is required?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Specific coverages for a 1991 Chevy C/K 2500 Series

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. 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 such as court costs, structural damage, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, theft, damage from flooding and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim 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.

Collision protection

Collision insurance pays for damage to your C/K 2500 Series resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy C/K 2500 Series.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.