Want lower auto insurance rates for your Chevrolet C/K 1500 Series? Perplexed by the crazy number of auto insurance choices? Lot’s of other consumers are too. Drivers have so many companies to choose from that it can turn into a challenge to find the best price.
Performing a rate comparison can be a lot of work if you don’t know the best way to get rate quotes. You can waste a lot of time driving to insurance companies in your area, or you can utilize online quotes to quickly compare rates.
Many insurance companies participate in an industry program that enables customers to enter their coverage request one time, and each company returns a rated price for coverage. This eliminates the need for form submissions to each individual insurance coverage company.
To access this free quoting program, click here to open in new window.
The one downside to comparing rates this way is you can’t choose which providers to receive prices from. So if you prefer to pick individual companies to request quotes from, we have a listing of insurance coverage companies in your area. Click to view list.
However you get your quotes, make sure you use exactly the same coverages and limits for every quote you compare. If you use differing limits you will not be able to make a fair comparison for your Chevy C/K 1500 Series. Slightly different coverages may cause a big price difference. And when comparing insurance coverage rates, know that obtaining a wide range of quotes will enable you to find lower pricing.
When it comes to buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.
For example, these questions can help discover whether or not you may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.
Understanding the coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Coverage for liability
Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as legal defense fees, repair bills for other people’s vehicles, repair costs for stationary objects, funeral expenses and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.
Uninsured and underinsured coverage
This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy C/K 1500 Series.
Because many people have only the minimum liability required by law, 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. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like fire damage, a broken windshield, falling objects, vandalism and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
This coverage will pay to fix damage to your C/K 1500 Series from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like crashing into a ditch, sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like hospital visits, surgery, EMT expenses and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage