Compare 1991 Chevrolet C/K 3500 Series Insurance Quotes

Are you burned out from paying out the nose to buy auto insurance? Your situation is no different than the majority of other consumers. Consumers have multiple car insurance companies to choose from, and although it’s nice to have a choice, more choices can make it harder to find the lowest rates.

It’s a good idea to get comparison quotes yearly due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best premium rates on C/K Series insurance a couple years back you can probably find a better price now. Forget all the misinformation about auto insurance because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.

The purpose of this post is to let you in on how to get online quotes. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Drivers only need to know the tricks to get comparison rates over the internet.

Lower rates by qualifying for discounts

Some providers don’t always publicize every available discount in a way that’s easy to find, so we took the time to find some of the best known and the more hidden credits that you can use to lower your rates. If you do not check that you are getting every discount you qualify for, you could be saving more on your insurance.

  • Student in College – Any of your kids who live away from home at college without a vehicle on campus could get you a discount.
  • Professional Memberships – Having an affiliation with a qualifying organization is a simple method to lower premiums on insurance.
  • Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote car insurance on C/K Series insurance with some insurance companies.
  • Accident Forgiveness – Not a discount per se, but some companies like Liberty Mutual and GEICO will turn a blind eye to one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Homeowners Savings – Simply owning a home can earn you a little savings since home ownership is proof of financial responsibility.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

Insurance companies that have these money-saving discounts are:

It’s a good idea to ask every prospective company which credits you are entitled to. Depending on the company, some discounts may not be offered everywhere. If you would like to view insurance companies with the best insurance discounts, follow this link.

Chevy C/K 3500 Series insurance rates can be cheaper

Lots of things are part of the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but others are not quite as obvious such as whether you are married and annual miles driven.A large part of saving on insurance coverage is knowing the factors that go into determining your policy premiums. If you have a feel for what controls the rates you pay, this enables you to make decisions that can earn you cheaper rates.

The items below are some of the items utilized by car insurance companies to help set rates.

  • Low mileage costs less – The higher the miles on your Chevy in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers charge rates determined by how the vehicle is used. Autos that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Verify your insurance coverage policy states the proper vehicle usage, because improper ratings can cost you money. Improper usage on your C/K 3500 Series can result in significantly higher rates.
  • Lower rates with uninterrupted coverage – Driving without insurance coverage in place is a misdemeanor and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay more, the inability to provide proof of insurance may result in a fine, jail time, or a revoked license.
  • High comp and collision deductibles lower costs – Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your Chevy. Some examples of claims that would be covered are a broken side mirror, flood damage, and burglary. Deductibles for physical damage represent how much money the insured will be required to pay if the claim is covered. The higher the amount you pay before a claim is paid (deductible), the less your company will charge you for insurance on C/K Series insurance.
  • Bundle home and auto and save – Many companies will give discounts to people that buy multiple policies, otherwise known as a multi-policy discount. Even with this discount, it’s always a smart idea to get quotes from other companies to verify if the discount is saving money.There is a good possibility that you can find lower rates by splitting coverages up.
  • Women pay lower premiums – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both genders have at-fault accidents at about the same rate, but the males get into accidents with more damage. In addition to higher claims, males also get ticketed for serious violations such as DWI and reckless driving.
  • Prices can change based on your address – Residing in less populated areas of the country may provide you with better prices when insuring your vehicles. Drivers who live in large cities regularly have more auto accidents and more severe claims. Lower population translates into fewer accidents in addition to fewer liability claims.

Insurance coverage is unique, just like you

When it comes to choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can help discover whether you might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • How do I file an SR-22 for a DUI in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I afford to buy a different vehicle if my 1991 Chevy C/K 3500 Series is totaled?
  • Are my friends covered when driving my car?
  • What if I total my 1991 Chevy C/K 3500 Series and owe more than it’s worth?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Chevy C/K 3500 Series.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for doctor visits, EMT expenses, X-ray expenses, funeral costs and nursing services. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto coverage

This coverage pays for 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 can pay for claims like damage from flooding, damage from getting keyed, falling objects and fire damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This coverage will cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as emergency aid, medical expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Auto collision coverage

This coverage pays for damage to your C/K 3500 Series from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, hitting a parking meter, sideswiping another vehicle, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

One last thing

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. Your objective should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

We just covered many ways to reduce 1991 Chevy C/K 3500 Series insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

Much more information about auto insurance can be read at these links: