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1997 Chevrolet C/K 2500 Series Insurance Rates

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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 ...

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UPDATED: Nov 23, 2017

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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.

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Want better auto insurance rates for your Chevrolet C/K 2500 Series? Expensive auto insurance can take a big chunk out of your checking account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Many auto insurance companies compete for your business, and because of this it can be hard to compare car insurance companies to find the cheapest price

Smart consumers take time to get comparison quotes every six months since rates change frequently. Just because you had the lowest rates on C/K Series insurance last year there may be better deals available now. There is a lot of wrong information about auto insurance online, so I’m going to show you some good information on how to find affordable auto insurance.

If you have car insurance now, you should be able to save some money using these techniques. Finding affordable coverage is easy if you know what you’re doing. Although consumers do need to know the methods companies use to price online insurance and use this information to your advantage.

Companies offer discounts so take them!

Companies that sell car insurance don’t always publicize every discount in an easy-to-find place, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with a substantially lower rate.
  • Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on C/K Series insurance depending on your company.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • No Accidents – Drivers with accident-free driving histories pay less compared to accident-prone drivers.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurance companies who offer auto insurance discounts, click here.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • When can my company non-renew my policy?
  • When should I remove comp and collision on my 1997 Chevy C/K 2500 Series?
  • Can I make deliveries for my home business?
  • Should I carry comprehensive and collision coverage?
  • What can I do if my company won’t pay a claim?
  • How much liability do I need to cover my assets?
  • How do I file an SR-22 for a DUI in my state?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Drivers who switch save $415 a year? Really?

Companies like 21st Century, Allstate and State Farm regularly use ads on TV and radio. All the ads have a common claim that you’ll save big if you move to them. But how can every company make the same claim? This is how they do it.

Insurance companies can use profiling for the type of driver that earns them a profit. An example of a driver they prefer could be over the age of 50, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will save a lot of money.

Consumers who don’t measure up to this ideal profile must pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently state the savings. This illustrates why drivers must compare as many rates as you can. It’s just too difficult to predict which insurance companies will provide you with the cheapest Chevy C/K 2500 Series insurance rates.

Car insurance coverage specifics

Having a good grasp of car insurance helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Coverage for liability – Liability insurance can cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like repair costs for stationary objects, legal defense fees and court costs. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage – This coverage will pay to fix damage to your C/K 2500 Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, driving through your garage door, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy C/K 2500 Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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 protection – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, falling objects, vandalism, damage from flooding and hail damage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

A penny earned…

We’ve covered many tips how you can save on 1997 Chevy C/K 2500 Series insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

As you shop your coverage around, never skimp on coverage in order to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to discover later that it was a big mistake. The ultimate goal is to buy a smart amount of coverage for the lowest price.

Lower-priced insurance can be bought both online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

More information can be found at the links below

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