Lower Your 1991 Chevrolet C/K 3500 Series Insurance Quotes

Want the cheapest car insurance rates for your Chevrolet C/K 3500 Series? Are you sick and tired of trying to scrape together enough money to insure your Chevy every month? You are no different than many other drivers.

Companies like Allstate, Progressive and Geico continually bombard you with advertising and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

If you currently have car insurance, you should be able to cut costs considerably using these techniques. Buying car insurance is not that difficult. Although consumers need to learn how insurance companies market insurance on the web and apply this information to your search.

Pay less for Chevy C/K 3500 Series insurance

Car insurance is not cheap, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but a few must be manually applied before you will receive the discount.

  • No Charge for an Accident – Some insurance companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Homeowners Discount – Owning a home can save you money because of the fact that having a home shows financial diligence.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for C/K Series insurance with a few auto insurance companies.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help reduce your premiums.

To see a list of companies with discount auto insurance rates, follow this link.

Factors determining your Chevy C/K 3500 Series insurance premium

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for insurance. Understanding what determines base rates helps enable you to make changes that may reward you with big savings.

  • Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Traffic citations inflate rates – Just one moving violation can increase rates by as much as thirty percent. Good drivers get better rates than their less careful counterparts. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • An active claims history can cost you – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Companies provide discounts to insureds who do not file claims often. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Your location is important – Living in a small town has it’s advantages when buying insurance. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have congested traffic and a longer drive to work. Longer commute distances translates into higher accident risk.
  • Being married is a good thing – Having a spouse actually saves money on your policy. Having a significant other translates into being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Your occupation can affect rates – Did you know that where you work can have an impact on rates? Jobs such as judges, business owners and accountants have higher rates than average because of high stress and long work hours. On the flip side, occupations such as scientists, athletes and performers get better rates for C/K Series insurance.

Tailor your coverage to you

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Is extra glass coverage worth it?
  • Is my state a no-fault state?
  • Which companies will insure high-risk drivers?
  • Can I make deliveries for my home business?
  • What are the best liability limits?
  • Is a fancy paint job covered?
  • When should I not file a claim?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverages

Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for surgery, X-ray expenses, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, a broken windshield and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance will pay to fix damage to your C/K 3500 Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, hitting a mailbox, driving through your garage door, scraping a guard rail and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1991 Chevy C/K 3500 Series.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people. Liability 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. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as bail bonds, pain and suffering, attorney fees, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

At the end of the day…

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where drivers have reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Low-cost 1991 Chevy C/K 3500 Series insurance can be found on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

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