1997 Chevrolet C/K 3500 Series Car Insurance Rates – 10 Tips to Save

Being forced to pay for pricey auto insurance premiums can eat up your savings account and force you to cut corners elsewhere.

Multiple insurers compete for your business, and it can be difficult to compare rates and uncover the absolute best rates possible.

You need to compare rates occasionally because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rate on C/K Series coverage last year you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to how to use the internet to get good coverage at a lower rate.

Buy car insurance online

Effectively comparing car insurance prices can take hours if you don’t know the easiest way. You could waste time talking about coverages with insurance agencies in your area, or you could use the internet to quickly compare rates.

Many of the larger companies participate in an industry program where insurance shoppers complete one form, and each company then returns a price quote based on that information. This system prevents you from having to do form submissions for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

The one downside to comparing rates this way is you are unable to specify which companies to get quotes from. So if you want to select from a list of companies for rate comparison, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, do your best to enter apples-to-apples information for each quote you get. If you use higher or lower deductibles it will be nearly impossible to make a fair rate comparison. Quoting even small variations in coverages may result in large price differences. It’s important to know that quoting more helps locate better pricing. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare rates from them, too.

Lower-cost insurance coverage rates with discounts

Insurance coverage is easily one of your largest bills, but companies offer discounts that can dramatically reduce your bill. A few discounts will be applied at the time you complete a quote, but some discounts are required to be requested specifically prior to receiving the credit.

  • Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease on C/K Series coverage depending on your company.
  • Discount for Life Insurance – If the company offers life insurance, you could get better premium rates if you take out some life insurance in addition to your auto policy.
  • ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Defensive Driver – Taking part in a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
  • Military Deployment Discount – Having a family member in the military could qualify you for better premium rates.
  • Professional Memberships – Joining a professional or civic organization could earn you a nice discount on your policy.
  • Cautious Driver Discount – Safe drivers can save up to 40% or more on their car insurance quote on C/K Series coverage compared to rates paid by drivers with frequent claims.
  • Discount for Good Grades – Being a good student may save as much as 25% on a car insurance quote. The discount lasts until age 25.
  • Distant Student Discount – Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Multi-Vehicle Discounts – Having primary and secondary vehicles on a single policy qualifies for this discount.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and some of their more popular discounts are included below.

  • AAA may have discounts that include good driver, anti-theft, pay-in-full, good student, education and occupation, multi-policy, and AAA membership discount.
  • Progressive may include discounts for online signing, good student, continuous coverage, online quote discount, and homeowner.
  • State Farm may offer discounts for defensive driving training, passive restraint, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, student away at school, and driver’s education.
  • Esurance offers premium reductions for DriveSense, renters, emergency road assistance, defensive driver, claim free, and Switch & Save.
  • Nationwide has discounts for accident-free, family plan, good student, defensive driving, Farm Bureau membership, and business or organization.

When getting free car insurance quotes, it’s a good idea to each insurance company to give you their best rates. Some discounts listed above may not be offered everywhere.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I pay less for low miles?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage when using my vehicle for my home business?
  • Am I insured when driving a different vehicle?
  • Why does it cost so much to insure a teen driver?
  • What is high-risk coverage and where do I buy it?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Coverages available on your policy

Understanding the coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy C/K 3500 Series.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability

This protects you from damages or injuries you inflict on people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, funeral expenses, emergency aid, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, nursing services and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This will pay to fix damage to your C/K 3500 Series caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, colliding with a tree, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

In this article, we covered many ideas to lower your 1997 Chevy C/K 3500 Series insurance car insurance rates. It’s most important to understand that the more you quote car insurance, the better chance you’ll have of finding cheaper car insurance. You may even find the lowest priced auto insurance comes from the least-expected company. Some small companies can often provide lower premium rates in certain areas compared to the large companies like Progressive or GEICO.

The cheapest 1997 Chevy C/K 3500 Series insurance is definitely available online as well as from insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer online rate quotes and usually these smaller providers only sell coverage through local independent agencies.

When searching for the cheapest car insurance quotes, you should never skimp on coverage in order to save money. There are many occasions where someone sacrificed liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

More tips and info about auto insurance can be found at these sites: