1999 Chevrolet C/K 1500 Series Car Insurance Quotes

Searching for the cheapest insurance for a Chevy C/K 1500 Series can be an all-consuming task, but you can use our insurance buying tips to make it easier.

There is a better way to buy insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Chevy and obtain the cheapest rates from local insurance agents and online providers.

Smart consumers take time to take a look at other company’s rates occasionally since insurance rates are adjusted regularly by insurance companies. Even if you think you had the best deal for C/K Series insurance on your last policy you will most likely find a better rate today. You can find a lot of wrong information about insurance online, so I’m going to show you some proven techniques to reduce your insurance bill.

Save on Chevy C/K 1500 Series insurance

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but less common discounts must be asked for prior to getting the savings. If you’re not getting every credit available, you are throwing money away.

  • Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Accident Free – Claim-free drivers can earn big discounts when compared to drivers who are more careless.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down the cost of coverage.

Insurance companies that may offer these money-saving discounts include:

Check with all companies you are considering which discounts they offer. Savings may not apply in every state.

Why your Chevy C/K 1500 Series might be costing you more

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for insurance coverage. Knowing what influences your rates helps enable you to make changes that may reward you with better insurance coverage rates.

  • Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you if you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • More claims means more premium – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies award discounts to drivers who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
  • Bump up deductibles to save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and rolling your vehicle. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more expense you are required to pay out-of-pocket, the less your insurance coverage will be for C/K Series insurance.
  • Multiple policies with one company can save – Many companies will give a discount to policyholders who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates. If your Chevy C/K 1500 Series scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • A clean driving record saves money – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers receive lower rates than bad drivers. Even a single moving violation can increase rates forty percent or more. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Rate your vehicle for proper use – Driving more miles every year the more you will pay for insurance coverage. Almost all companies apply a rate based on their usage. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated C/K 1500 Series may be wasting your money. Verify your insurance coverage coverage is rated on the proper vehicle usage.

Tailor your coverage to you

When choosing coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • What if I total my 1999 Chevy C/K 1500 Series and owe more than it’s worth?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when pulling a rental trailer?
  • What is medical payments coverage?
  • Am I covered if my car is in a flood?
  • Does coverage extend to my business vehicle?
  • Do I need replacement cost coverage on my 1999 Chevy C/K 1500 Series?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Are insurance companies telling the truth?

Consumers can’t ignore all the ads for cheaper car insurance by Geico, State Farm and Progressive. They all make the same claim that you’ll save big after switching to their company.

But how can every company make the same claim? This is how they do it.

All companies have a preferred profile for the driver that makes them money. An example of a desirable insured could be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A propective insured who matches those parameters will get the preferred rates and therefore will save when switching.

Drivers who don’t measure up to these standards will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can state the savings.

Because of the profiling, it’s extremely important to quote coverage with many companies. You cannot predict the company that will provide you with the cheapest Chevy C/K 1500 Series insurance rates.

Insurance coverages explained

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance pays for damage to your C/K 1500 Series resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, rolling your car, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages

This protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair bills for other people’s vehicles, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, hail damage and theft. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses such as doctor visits, dental work, nursing services, X-ray expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Quote more, save more

Lower-priced 1999 Chevy C/K 1500 Series insurance can be sourced online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, unfair underwriting practices and extreme rates for teen drivers. Whatever your reason, switching auto insurance companies is not as hard as you think.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In too many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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