Cheap 1993 Chevrolet C/K 2500 Series Car Insurance Rates

Are you confused by the number of insurance coverage companies? You have a lot of company. You have so many options available that it can turn into a lot of work to find better rates.

The purpose of this article is to help educate you on the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. Although car owners must comprehend the way companies market insurance on the web and take advantage of how the system works.

How to Compare Insurance Coverage Costs

The are a couple different ways to compare quotes and find the best price. The recommended way to find the lowest 1993 Chevy C/K 2500 Series rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  1. The fastest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for repetitive form submissions to each individual insurance coverage company. One form will get you price quotes instantly. This is by far the quickest method.
  2. A more difficult way to get quotes online requires a trip to each individual company website to request a price quote. For instance, let’s assume you want to compare rates from Geico, Safeco and Allstate. You would have to visit each site 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.

Whichever way you use, double check that you are using the exact same information for each comparison quote. If you compare different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Chevy C/K 2500 Series. Having just a slight variation in limits may cause a big price difference. Keep in mind that getting more free quotes will increase your chances of finding lower pricing.

Discounts are available to cut your rates

The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. A few discounts will automatically apply when you purchase, but less common discounts must be specifically requested before they will apply.

  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Paperwork-free – Some insurance companies give back up to $50 for buying your policy online.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance from them.

It’s important to understand that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

For a list of companies who offer insurance coverage discounts, click here to view.

Everyone needs different coverages

When buying the right insurance coverage, there really is not a single plan that fits everyone. Each situation is unique.

For instance, these questions can help discover whether you could use an agent’s help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my dog or cat covered if injured in an accident?
  • What is PIP insurance?
  • Does my insurance cover my expensive audio equipment?
  • Exactly who is provided coverage by my policy?
  • What are the best liability limits?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverages for a Chevy C/K 2500 Series

Knowing the specifics of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This coverage will pay to fix damage to your C/K 2500 Series resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.


Liability insurance can cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people. 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 limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, medical services, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy C/K 2500 Series.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from flooding, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, funeral costs, pain medications, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay