1996 Chevrolet C/K 3500 Series Insurance Quotes

Trying to find lower auto insurance rates? Buyers have many options when searching for the lowest priced Chevy C/K 3500 Series insurance. They can either spend hours calling around trying to get quotes or utilize the internet to compare rates.

There are more efficient ways to find auto insurance online so we’re going to tell you the proper way to compare rates on a Chevy and obtain the lowest price from both online companies and local agents.

The Chevy C/K 3500 Series insurance price equation

Multiple criteria are considered when quoting car insurance. Some are obvious such as traffic violations, but other factors are more transparent like your continuous coverage or how safe your car is.It’s important that you understand some of the factors that go into determining your policy premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that could result in lower car insurance prices.

  • Insurance companies don’t like frequent car insurance claims – If you file a lot of claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Auto insurance companies give the lowest premiums to policyholders who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.
  • Liability coverage – Your policy’s liability coverage will protect you in the event that you are ruled to be at fault for damages caused by your negligence. It provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Never let your car insurance lapse – Having an insurance coverage lapse is a guaranteed way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance could result in a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Raise your physical damage deductibles for better premiums – Comp and collision deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Protection for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered are colliding with a stationary object, collision with a deer, and damage from wind. The more expense you are required to pay out-of-pocket, the lower your rates will be on C/K Series coverage.
  • Drivers with excellent credit save on car insurance – Having a bad credit rating will be a significant factor in determining what you pay for car insurance. If your credit can use some improvement, you could save money insuring your 1996 Chevrolet C/K 3500 Series by spending a little time repairing your credit. Insureds that have good credit tend to file fewer claims as compared to drivers with poor credit.
  • Single drivers may pay higher premiums – Getting married can actually save you money on your car insurance bill. It may mean you are more mature and it’s proven that married drivers tend to have fewer serious accidents.
  • Bad driving means higher premiums – Whether or not you get tickets has a huge affect on how much you pay. Even a single speeding ticket may cause rates to rise by twenty percent. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who have license-revoking tickets such as hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to legally drive.

The easiest way to compare insurance rates from multiple companies is to realize most of the larger companies provide online access to give free rates quotes. To get started, all you need to do is give them some information like level of coverage desired, which vehicles you own, if you’re married, and if it has an alarm system. Your insurance information is then submitted to many highly-rated insurers and they provide comparison quotes very quickly.

Don’t believe everything you hear

Consumers can’t escape the ads for the lowest price car insurance by State Farm, GEICO and Progressive. All the ads say the same thing of big savings if you switch your coverage.

How do they all sell you cheaper insurance coverage? You have to listen carefully.

Most companies are able to cherry pick for the type of driver that will not have excessive claims. An example of a desirable risk may need to be between 30 and 50, has no driving citations, and drives newer vehicles. A driver that matches those criteria will most likely get cheap prices and have a good chance to save a lot of money.

Drivers who don’t measure up to these criteria will probably be forced to pay higher prices which usually ends up with business not being written. If you pay attention, the ads say “people who switch” not “all people who quote” save the amount stated. That’s the way companies can truthfully state the savings.

This really illustrates why drivers must get as many free auto insurance quotes as possible. It’s not possible to predict with any certainty which company will fit you best based on your risk profile.

Verify you’re earning every discount

Some providers do not advertise all their discounts in a way that’s easy to find, so the list below details both the well known in addition to some of the lesser obvious discounts that may be available. If they aren’t giving you every credit you deserve, you are not getting the best rate possible.

  • Accident-Free Discounts – Insureds who avoid accidents and claims get the best insurance coverage rates in comparison to frequent claim filers.
  • Discount for Home Ownership – Just being a homeowner can earn you a little savings because maintaining a house requires a higher level of personal finance.
  • Onboard Data Collection – Insureds who allow data collection to spy on driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations may earn a discount when getting a auto insurance quote.
  • Theft Deterent – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Military Discounts – Having a deployed family member could mean lower prices.

Don’t be shocked that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.

A few of the larger companies and the discounts they provide are shown below.

  • State Farm may offer discounts for multiple policy, good student, passive restraint, defensive driving training, multiple autos, and driver’s education.
  • American Family offers discounts for Steer into Savings, accident-free, air bags, good driver, and TimeAway discount.
  • AAA has discounts for good driver, multi-policy, anti-theft, AAA membership discount, good student, and education and occupation.
  • GEICO includes discounts for air bags, daytime running lights, defensive driver, anti-theft, anti-lock brakes, and membership and employees.
  • Mercury Insurance may include discounts for professional/association, anti-theft, ease of repair, annual mileage, low natural disaster claims, good student, and location of vehicle.
  • Farmers Insurance has savings for teen driver, mature driver, switch companies, electronic funds transfer, multi-car, and good student.
  • Progressive offers discounts including multi-vehicle, homeowner, online quote discount, good student, and online signing.

When getting free auto insurance quotes, it’s a good idea to each insurance company which credits you are entitled to. Some discounts listed above might not apply in your area. For a list of companies that offer many of these discounts, click this link.

When should I discuss my situation with an agent?

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • Where can I find DUI or SR-22 insurance?
  • Should I get collision insurance on every vehicle?
  • Do I really need UM/UIM coverage?
  • Is my babysitter covered when using my vehicle?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Educate yourself about insurance coverages

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage will pay to fix damage to your C/K 3500 Series resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, hitting a parking meter, colliding with another moving vehicle, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy C/K 3500 Series.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Liability insurance

Liability insurance can cover damage that occurs to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as loss of income, bail bonds, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as ambulance fees, surgery, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

The best insurance company isn’t always the cheapest

Lower-priced insurance can be bought from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not offer rates over the internet and these smaller providers only sell coverage through independent agencies.

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped full coverage only to find out that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

You just learned many tips how you can compare 1996 Chevy C/K 3500 Series insurance premium rates online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding affordable auto insurance. You may even discover the best price on insurance is with the smaller companies.

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