1999 Chevrolet C/K 2500 Series Insurance Rates
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UPDATED: Nov 23, 2017
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Searching for better auto insurance rates for your Chevrolet C/K 2500 Series? Scraping up a payment for overpriced Chevrolet C/K 2500 Series insurance can dwindle your personal savings and make it hard to pay other bills. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Companies like GEICO and Progressive promote their brand names with TV and radio ads and it is challenging if not impossible to see through the deception and take the time to shop coverage around.
Do you qualify for discounts?
Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Accident Waiver – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
- Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.
- Defensive Driver – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Federal Employees – Employees or retirees of the government may qualify you for a discount for C/K Series insurance with select insurance companies.
Drivers should understand that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will reduce the cost of coverage.
A partial list of companies that may offer these discounts include:
It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts may not apply in your area.
Some factors that can determine what Chevy C/K 2500 Series insurance costs
An important part of buying insurance is that you know the factors that help determine the price you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with big savings.
- Theft deterrents lower rates – Owning a car with an alarm system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
- Being married can save on car insurance – Having a wife or husband can get you a discount on your policy. Having a significant other translates into being more responsible and it’s statistically proven that being married results in fewer claims.
- High crash test scores lower rates – Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If the Chevy C/K 2500 Series has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
- Your car insurance rates can be influenced by your job – Careers like judges, executives and accountants tend to have higher rates than average due to stressful work requirements and lots of time spent at work. On the flip side, professions such as pilots, athletes and retirees receive lower rates for C/K Series insurance.
- Do you know your deductibles? – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Chevy. Examples of covered claims would be collision with another vehicle, damage caused by hail, and burglary. Deductibles for physical damage are how much you are required to spend in the event of a claim. The higher the amount you’re willing to pay, the lower your rates will be for C/K Series insurance.
- Your credit rating is important – Credit score is a large factor in your rate calculation. So if your credit is lower than you’d like, you could save money insuring your 1999 Chevrolet C/K 2500 Series by improving your credit score. People with excellent credit tend to be more responsible as compared to drivers with poor credit.
- Liability coverage is peace of mind – Liability coverage provides coverage when you are found liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
- Are you male or female? – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as reckless driving.
Don’t assume everyone needs the same coverage
When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover whether or not you would benefit from professional advice.
- Will I lose any money if I cancel my policy before it expires?
- When do I need to add a new car to my policy?
- Should I get collision insurance on every vehicle?
- Where can I get insurance after a DUI in my state?
- Am I missing any policy discounts?
- Why does it cost so much to insure a teen driver?
- If my 1999 Chevy C/K 2500 Series is totaled, can I afford another vehicle?
- What are the best liability limits?
If you don’t know the answers to these questions but a few of them apply, 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. It is quick, free and may give you better protection.
Drivers who switch save $445 a year? Really?
Consumers constantly see and hear ads for car insurance savings from the likes of Progressive, Allstate and GEICO. They all make the same claim that you’ll save big if you change your coverage to them.
But how can every company make almost identical claims?
All companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a driver they prefer could be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and therefore will save a lot of money.
Consumers who are not a match for the requirements will have to pay higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That is how companies can advertise the savings.
Because of the profiling, drivers should get as many quotes as possible. It’s impossible to know which insurance companies will fit your personal profile best.
Knowing the specifics of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.
Auto liability insurance
Liability coverage protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for things like repair bills for other people’s vehicles, emergency aid and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
Insurance for medical payments
Med pay and PIP coverage reimburse you for bills such as funeral costs, X-ray expenses, surgery and pain medications. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy C/K 2500 Series.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as hitting a mailbox, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as theft, damage from getting keyed and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Online plus local equals savings
Cheap 1999 Chevy C/K 2500 Series insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
As you go through the steps to switch your coverage, never reduce needed coverages to save money. In many cases, drivers have reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Top Signs Your Brakes are Giving Out (State Farm)
- How to Avoid Staged Accidents (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- Choosing an Insurance Company (Insurance Information Insitute)
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