1996 Chevrolet C/K 1500 Series Insurance Cost – 10 Ideas for Best Prices

Want cheaper car insurance rates for your Chevrolet C/K 1500 Series? I can’t think of anyone who likes having to buy car insurance, especially knowing the price is too high.

Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the absolute best rate

Insurance Coverage Prices

There are multiple methods you can shop for 1996 Chevy C/K 1500 Series insurance coverage and some are easier and takes less work. You could waste time driving to insurance companies in your area, or you could use the web to get rate comparisons in just a few minutes.

The majority of car insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and at least one company can provide price quotes based on the submitted data. This eliminates the need for quote requests to each company.

To compare pricing click here to open in new window.

The single downside to comparing rates this way is you don’t know exactly which providers to get pricing from. If you prefer to choose specific insurance companies to compare rates, we have a page of insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but double check that you are using exactly the same deductibles and coverage limits on every quote you get. If your comparisons have higher or lower deductibles you can’t possibly make a fair comparison for your Chevy C/K 1500 Series. Slightly different coverages can make a big difference in price. And when quoting insurance coverage, remember that quoting more helps you find the best offered rates.

Cut prices on 1996 Chevy C/K 1500 Series insurance

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you quote, but a few need to be inquired about in order for you to get them.

• Accident Forgiveness – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
• Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
• Drivers Education – Have your child enroll in driver’s education in high school.
• Life Insurance – Some companies give a discount if you purchase life insurance.
• Accident Free – Claim-free drivers can earn big discounts as compared to frequent claim filers.
• Federal Employees – Active or retired federal employment may qualify you for a discount for C/K Series coverage with select insurance companies.
• New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
• Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
• Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
• Driver Safety – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.

It’s important to note that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But all discounts will help reduce your premiums.

For a list of insurers who offer insurance coverage discounts, click this link.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation may require specific advice.

• Do I have newly-aquired coverage?
• What are the financial responsibility laws in my state?
• Am I insured when driving a different vehicle?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered when using my vehicle for business?
• What if I don’t agree with a claim settlement offer?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverages 101

Having a good grasp of car insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by car insurance companies.

Medical expense coverage

Med pay and PIP coverage kick in for bills like surgery, ambulance fees, nursing services, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Coverage for liability

This coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like loss of income, structural damage and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from 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 coverage pays for things like damage from flooding, fire damage, theft, rock chips in glass and falling objects. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This pays for damage to your C/K 1500 Series resulting from a collision 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 pays for things like sustaining damage from a pot hole, hitting a mailbox, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.