Nobody I know cherishes buying auto insurance, particularly when their premiums are through the roof. Lots of insurers contend for your insurance dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest cost out there.
It’s smart to price shop coverage occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the best rates on C/K Series insurance two years ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance online, so we’re going to give you some of the best ways to save money.
Auto insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find car insurance savings. If you aren’t receiving every discount available, you’re paying more than you need to.
It’s important to understand that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free car insurance policy, car insurance companies aren’t that generous.
A partial list of companies that possibly offer these money-saving discounts may include but are not limited to:
Double check with each insurance company how you can save money. Discounts might not apply in your state.
The best way we recommend to compare rates is to know the fact most of the larger companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details like if you require a SR-22, driver ages, if you have an active license, and whether your vehicle is owned or leased. That information gets transmitted to multiple insurance coverage providers and you will get price comparisons with very little delay.
When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might point out if you might need an agent’s assistance.
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.
Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by auto insurance companies.
This coverage pays for damage to your C/K 1500 Series caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.
Liability coverage provides protection from damage that occurs to other’s property or people. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles, emergency aid, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding, falling objects, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Med pay and PIP coverage kick in for short-term medical expenses for EMT expenses, doctor visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
When shopping online for insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.
We just showed you a lot of ways to get a better price on 1993 Chevy C/K 1500 Series insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.
Cheap insurance is definitely available 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 companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
Much more information about insurance coverage can be found on the following sites: