How To Guide to Purchasing Car Insurance for a Chevy K1500 Pickup

Are you a victim of an overpriced car insurance policy? Believe me, many consumers feel financially strained by their car insurance policy.

With consumers having so many options, it’s nearly impossible to locate the lowest cost company.

Don’t pay full price with these discounts

Companies that sell car insurance do not list every available discount very well, so here is a list both well-publicized and the harder-to-find ways to save on car insurance.

• Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
• Driver Safety – Completing a defensive driving course could cut 5% off your bill if you qualify.
• Homeowners Pay Less – Being a homeowner can save you money because owning a home shows financial diligence.
• Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could be rewarded with a substantially lower rate.
• Claim Free – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
• Save over 55 – If you qualify as a senior citizen, you may receive better car insurance rates for K1500 pickup coverage.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for K1500 pickup coverage with certain companies.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

For a list of providers who offer car insurance discounts, click here.

Where Can I Get Cheap Car Insurance?

All major car insurance companies allow you to get price estimates on their websites. Obtaining pricing is pretty painless as you simply type in the coverage amounts you desire as requested by the quote form. Once entered, the system collects your driving record and credit report and provides a quote based on these and other factors. Quoting online simplifies rate comparisons, but the process of having to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to perform this step if you want to find a lower rate.

A quicker way to find lower prices is to use a quote form that gets prices from many companies. This type of form saves time, reduces the work, and makes online quotes much more efficient. Immediately after submitting the form, it gets priced and you can choose any of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To quickly use this form to compare rates, click here and begin entering your coverage information. If you have coverage now, it’s recommended you complete the form with deductibles and limits identical to your current policy. This guarantees you will be getting an apples-to-apples comparison for similar insurance coverage.

Factors that can influence Chevy K1500 Pickup insurance rates

An important part of buying insurance is that you know the rating factors that help determine your car insurance rates. Understanding what determines base rates helps enable you to make changes that could result in lower car insurance prices.

The following are some of the factors that factor into premiums.

• Extra coverages can waste money – There are many extra coverages that you can buy when buying car insurance. Things like rental car reimbursement, towing coverage and term life insurance are some examples. They may seem good when you first buy your policy, but if they’re wasting money remove them from your policy.
• Liability coverage is cheap – Liability insurance will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
• More performance means more cost – The performance level of the car you own makes a significant difference in determining your rates. Since the Chevrolet K1500 Pickup falls in the pickup truck class, insurance will be similar in price compared to average rates. Economy passenger models usually have the lowest rates, but there are many factors that impact the final cost.
• Your spouse saves you money – Having a wife or husband can get you a discount on your policy. Having a significant other means you’re more mature and responsible it has been statistically shown that drivers who are married are more cautious.
• Multiple policies with one company can save – Most insurers give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still be able to find a better deal by splitting coverages up.
• Safer occupants lowers premiums – Cars with high safety ratings get lower rates. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Chevy K1500 Pickup is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Better credit means lower rates – Your credit history is a important factor in determining your rates. So if your credit score is not that good, you could potentially save money when insuring your Chevrolet K1500 Pickup by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores.

Do I need a local agent?

Certain consumers prefer to talk to a local agent. One of the great benefits of getting online price quotes is you may find better rates and still have an agent to talk to.

Upon completion of this short form, your information is immediately sent to companies who will battle for your business. You won’t need to drive around because quoted prices will be sent to your email. How’s that for easy! You can find better rates AND an agent nearby.

Deciding on an insurer should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:

• Which insurance companies are they affiliated with?
• Can glass repairs be made at your home?
• Are you getting all the discounts the company offers?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do they regularly work with personal auto policies?
• If your car is in the repair shop, do you have coverage for a rental car?
• Do they carry Errors and Omissions coverage?
• Is the agency involved in supporting local community causes?

If you prefer to contact a specific insurance agent in your state, click here.

Once you have positive feedback to any questions you have in addition to an acceptable price estimate, you may have just found a company that can provide car insurance coverage.

Do the work, save more money

As you prepare to switch companies, do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at a price you can afford.

The cheapest Chevy K1500 Pickup insurance can be sourced both online as well as from independent agents in your state, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.