Save on 1990 Chevrolet C/K 2500 Series Car Insurance Cost

Searching for better car insurance rates for your Chevrolet C/K 2500 Series? Locating better insurance prices for your Chevy C/K 2500 Series could be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to shop for car insurance so you’re going to learn the best way to get price quotes for a new or used Chevy and find the lowest price either online or from local insurance agents.

It’s smart to compare prices once or twice a year because insurance rates are constantly changing. If you had the best deal for C/K Series coverage a year ago there is a good chance you can find better rates now. There is a lot of wrong information about car insurance online, so by reading this article, you’re going to learn some tested techniques to slash your car insurance rates.

Complexity of Chevy C/K 2500 Series insurance rates

An important part of buying insurance is that you know the factors that come into play when calculating your auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Women pay lower rates – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men are in accidents at about the same rate, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.
  • Liability insurance protects assets – The liability section of your policy is the protection in the event that you are found liable for damages caused by your negligence. It provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Your occupation can affect rates – Occupations like judges, business owners and accountants tend to pay higher rates than average because of high stress and lengthy work days. On the flip side, occupations like pilots, athletes and the unemployed have the lowest average rates for C/K Series coverage.
  • Do you qualify for a multi-policy discount? – The majority of auto insurance companies provide better rates to policyholders who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible.
  • Your location is important – Residing in less populated areas can be a good thing when insuring your vehicles. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers regularly have much more traffic to deal with and a longer drive to work. Higher commute times means more change of being in an accident.
  • High deductibles save money – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Some examples of claims that would be covered would be collision with another vehicle, vandalism, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The more the insured has to pay upfront, the bigger discount you will receive for C/K Series coverage.

Compare Quotes for Insurance

Cutting your insurance rates can be surprisingly simple. All you need to do is invest a little time comparing rates online with multiple companies. It is quite easy and can be accomplished in several different ways.

  1. The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate quotes for each company. One form submission will return price quotes from many national carriers. It’s the fastest way to compare.
  2. A more time consuming way to find lower rates requires a trip to each individual company website and fill out their own quote form. For instance, let’s assume you want comparison quotes from Geico, State Farm and Liberty Mutual. To get each rate you have to go to every website to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient way to get comparison rates is to spend your day driving to different agent offices. The internet eliminates the need for an insurance agent unless you require the professional advice of a licensed agent. It is possible to compare online quotes but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but make sure you use the exact same coverage information on every quote. If you compare unequal deductibles or liability limits it’s impossible to make a fair comparison for your Chevy C/K 2500 Series.

Auto insurance myths debunked

Consumers can’t ignore all the ads for cheaper car insurance from the likes of State Farm and Allstate. All the companies have a common claim that you can save after switching your coverage to them.

How do they all make almost identical claims?

Insurance companies are able to cherry pick for the right customer that makes them money. An example of a profitable customer could possibly be over the age of 50, has no prior claims, and chooses high deductibles. Any driver that hits that “sweet spot” gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t qualify for these standards will be charged higher premiums and this can result in business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that much money. That’s why insurance companies can state the savings. That is why you need to get as many quotes as possible. It’s not possible to predict which auto insurance company will have the lowest Chevy C/K 2500 Series insurance rates.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so here is a list some of the best known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit available, you are throwing money away.

  • Organization Discounts – Being a member of a civic or occupational organization could qualify you for a break on your policy for C/K Series coverage.
  • Driver’s Ed – Have your child complete a driver education course in high school.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
  • No Claims – Drivers who don’t have accidents pay less compared to bad drivers.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that may offer these benefits include:

Check with every prospective company how you can save money. All car insurance discounts may not apply in your state.

Do I need special coverages?

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is the rate difference between pleasure use and commuting?
  • What can I do if my company denied a claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is a new car covered when I drive it off the dealer lot?
  • How much liability do I need to cover my assets?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.


Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering, loss of income and structural damage. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy C/K 2500 Series.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision coverage will pay to fix damage to your C/K 2500 Series from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, backing into a parked car, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, vandalism, theft, hitting a bird and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses for EMT expenses, funeral costs and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers 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

Keep this in mind

Insureds switch companies for many reasons like an unsatisfactory settlement offer, questionable increases in premium, unfair underwriting practices and lack of trust in their agent. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.

Budget-conscious 1990 Chevy C/K 2500 Series insurance is possible from both online companies as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and these regional insurance providers work with independent agents.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are many occasions where drivers have reduced liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

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