How Much Does 1997 Chevrolet C/K 1500 Series Car Insurance Cost?

Want better insurance rates for your Chevrolet C/K 1500 Series? Scraping up a payment for overpriced Chevrolet C/K 1500 Series insurance can drain your bank account and put a big crunch on your finances. Comparing price quotes is a smart way to slash your bill and have more diposable income. Because you have many choices, it can be impossible to locate the most cost effective insurer.

Finding the best rates is not that difficult. If you are insured now or are looking for a new policy, you will benefit by learning to find the best rates while maintaining coverages. Consumers just need to learn the most effective way to get comparison rates on the web.

Insurance Prices

Finding a better price on insurance is a fairly straight forward process. Consumers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be done in a couple of different ways.

  • The easiest and least time consuming way to find low rates would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for multiple quote forms to each individual insurance company. Completing one form will get you price quotes from several companies.
  • A different way to get comparison quotes is going to each company’s website to request a price quote. For sake of this example, we’ll assume you want to compare Farmers, Progressive and Geico. To get each rate you have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

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

  • The most time-consuming way to get comparison rates is to drive around to insurance agents’ offices. The internet has reduced the need for local agents unless you prefer the trained guidance of a local agent. It is possible to comparison shop online and still use a local agent and we’ll talk about that later.

Whichever method you choose, make darn sure you compare exactly the same coverages and limits on every quote. If the quotes have unequal deductibles or liability limits it’s not possible to decipher which rate is best.

Which insurance is the “right” coverage?

When choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • How can I force my company to pay a claim?
  • What is the rate difference between pleasure use and commuting?
  • Do I need PIP coverage since I have good health insurance?
  • What exactly is covered by my policy?
  • What is the difference between comprehensive and collision coverage?
  • Why am I required to buy high-risk coverage?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Liability coverage – This provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, court costs, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – This covers damage to your C/K 1500 Series caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy C/K 1500 Series.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for short-term medical expenses like rehabilitation expenses, surgery, nursing services, EMT expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage