1. Vehicles
  2. Chevrolet
  3. C/K 2500 Series
  4. 1992 Model Year

1992 Chevrolet C/K 2500 Series Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Jun 12, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find cheaper insurance coverage rates for your Chevrolet C/K 2500 Series? No one likes paying for insurance coverage, in particular when their premiums are too high. You have so many auto insurance companies to pick from, and even though it’s nice to have a selection, it can be more difficult to get the best deal.

Consumers need to compare rates before your policy renews due to the fact that insurance rates change quite often. Just because you had the best deal for C/K Series coverage a couple years back there may be better deals available now. There is a lot of wrong information about insurance coverage online, so we’re going to give you a lot of great tips on how to reduce your insurance coverage bill.

Buying car insurance is not that difficult. If you have a policy now or are just looking to switch companies, you can use these tips to shop for the lowest rates and possibly find even better coverage. Consumers only need to know the best way to compare prices on the web.

Vehicle Insurance Comparison

Most major insurance companies like State Farm, Allstate and GEICO provide coverage price quotes online. Getting quotes is quite easy as you simply type in the coverage amounts you desire into the quote form. Behind the scenes, their rating system pulls your credit score and driving record and gives you a price quote determined by many factors. Online price quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and complete many quote forms gets old quite quickly. But it’s very important to have as many quotes as possible if you are searching for better insurance coverage pricing.

There is an easier way!

A less time-consuming method to get multiple rate quotes makes use of a single form to get prices from many companies. It’s a real time-saver, reduces the work, and makes online quotes much simpler. Once the form is submitted, your coverage is rated and you are able to buy your choice of the returned quotes. If a lower price is quoted, you can click and sign and purchase coverage. It just takes a couple of minutes and you’ll know if lower rates are available.

In order to use this form to compare rates, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter coverages and limits identical to your current policy. This guarantees you will have a price comparison using the exact same coverages.

Lots of discounts mean lots of savings

Car insurance companies do not advertise every available discount very clearly, so the following is a list of some of the more common and the more hidden ways to save on car insurance. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Accident Free – Good drivers with no accidents pay less when compared with frequent claim filers.
  • 55 and Retired – Mature drivers may be able to get better car insurance rates for C/K Series coverage.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for C/K Series coverage with a few car insurance companies.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for C/K Series coverage than drivers with accidents.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you could get a free car insurance policy, companies don’t profit that way.

For a list of insurance companies offering car insurance discounts, click here.

Situations that might require an agent

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether you might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my policy cover me when driving someone else’s vehicle?
  • How many claims can I have before being canceled?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Elements that influence Chevy C/K 2500 Series insurance rates

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

  • Do you qualify for a multi-policy discount? – The majority of insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to ensure the best deal. Consumers may find a better deal by splitting coverages up.
  • Marriage pays dividends – Having a wife or husband actually saves money on auto insurance. Having a spouse is viewed as being more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Your location affects your rates – Choosing to live in small towns and rural areas is a positive aspect when talking about auto insurance. Lower population means a lower chance of having an accident. Drivers in populated areas have more traffic problems and longer commute times. More time commuting can result in more accidents.
  • Choose a safe vehicle and save – Safer cars can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If the Chevy C/K 2500 Series earned at least four stars on Safercar.gov you may qualify for a discount.
  • Never allow your policy to lapse – Not having insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • High deductibles save money – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Chevy. A few examples of covered claims are colliding with a building, collision with an animal, or theft. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more money you have to pay, the lower your rates will be for C/K Series coverage.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit rating is low, you could save money insuring your 1992 Chevrolet C/K 2500 Series by improving your rating.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as doctor visits, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision insurance

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

Collision coverage protects against claims like hitting a parking meter, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy C/K 2500 Series.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages

This 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 things such as damage from getting keyed, hitting a bird, theft and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims such as medical expenses, pain and suffering, loss of income, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

You can do this!

You just learned a lot of techniques to reduce 1992 Chevy C/K 2500 Series insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

Cheap insurance is attainable both online and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer online quoting and these small, regional companies work with independent agents.

Additional information is located at these links:

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles