Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy.
Popular companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.
There are several ways of comparing rate quotes from different insurance companies. The best method to find competitive 1997 Chevy C/K 2500 Series insurance rates consists of shopping online. This can be accomplished using a couple different methods.
The single most time-saving way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form eliminates the need for repetitive form entry for each company you want a rate for. One quote request gets you coverage quotes from insurance coverage companies with the best prices.
Another way to obtain and compare quotes online is going to the website for every company you want to comare and request a quote. For instance, let’s say you want comparison quotes from Auto-Owners, Liberty Mutual and GMAC. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The hardest method to get comparison rates is to drive around to and from local insurance agencies. Shopping for insurance coverage online eliminates the need for an insurance agent unless you have a need for the professional advice that only a license agent can provide. You can, however, compare online quotes and get advice from an agent in your area. We’ll cover that shortly.
It’s up to you how you get prices quotes, just ensure you are comparing exactly the same information with each company. If you enter higher or lower deductibles it will be impossible to decipher which rate is best. Having just a slight variation in insurance coverages could mean much higher rates. Just remember that comparing a large number of companies provides better odds of finding the best offered rates.
Auto insurance companies such as State Farm, Allstate and GEICO consistently run ads on TV and radio. They all seem to say the same thing of big savings if you change your coverage to them. But how can every company claim to save you money?
Insurance companies can use profiling for the driver that earns them a profit. For example, a driver they prefer could be between 30 and 50, is a homeowner, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.
Drivers who don’t qualify for the “perfect” profile will have to pay a more expensive rate and ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can make the claims of big savings. Because of the profiling, you need to quote coverage with many companies. Because you never know which insurance companies will provide you with the cheapest Chevy C/K 2500 Series insurance rates.
Companies offering auto insurance don’t list all available discounts very clearly, so we researched some of the best known and the more hidden savings tricks you should be using.
It’s important to note that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, auto insurance companies aren’t that generous.
Insurance companies that may offer some of the above discounts include:
Double check with every prospective company which discounts they offer. Some discounts might not apply in every state.
When it comes to choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can aid in determining if you would benefit from professional advice.
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, funeral costs, rehabilitation expenses, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy C/K 2500 Series.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like vandalism, a tree branch falling on your vehicle and theft. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability – Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability can pay for things such as loss of income, pain and suffering and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.
Collision coverages – This pays for damage to your C/K 2500 Series caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as damaging your car on a curb, hitting a mailbox, backing into a parked car, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.
In this article, we covered some good ideas how you can shop for 1997 Chevy C/K 2500 Series insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with the least-expected company. They may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.
When trying to cut insurance costs, do not buy poor coverage just to save money. In many instances, someone sacrificed full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.