Cheap 1999 Chevrolet C/K 3500 Series Insurance Quotes

Feeling guilty for buying an expensive insurance coverage policy? Trust us when we tell you many drivers have buyer’s remorse.

Multiple insurance companies compete for your business, so it’s not easy to compare every company to get the best price available.

You should take the time to compare premium rates on a regular basis because rates go up and down regularly. Despite the fact that you may have had the lowest rate for C/K Series insurance last year there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to find out how to use online quotes to find great coverage at a great price.

Shop insurance online

Most companies allow you to get pricing from their websites. The process is pretty easy as you simply enter the amount of coverage you want into the quote form. When the form is submitted, their system pulls information on your driving record and credit history and gives you a price quote based on these factors. Being able to quote online makes it a lot easier to compare rates but the process of having to visit multiple sites and type in your information is a big time waster. But it is imperative to compare as many rates as possible if you are searching for the lowest insurance rates.

A quicker way to find better insurance pricing uses one simple form that analyzes rates from many companies. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. After your information is entered, your coverage is rated and you can select any one of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process takes less than 15 minutes and could lower your rates considerably.

If you want to find out how much you’re overpaying now, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you enter the insurance coverages identical to your current policy. This guarantees you are getting an apples-to-apples comparison for exact coverage.

Discounts can really help to save

Some providers don’t always list every available discount in a way that’s easy to find, so the following list contains some of the more common as well as some of the hidden car insurance savings.

  • Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • Clubs and Organizations – Being a member of a qualifying organization could earn you a nice discount on your next renewal.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • Early Renewal Discounts – Some companies provide a discount for renewing your policy before your current policy expires. The savings is around 10%.
  • Active Military Service – Having a family member in the military could trigger a small discount.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Some companies who may offer these discounts include:

If you need cheap insurance coverage quotes, ask each company or agent which credits you are entitled to. Discounts might not be offered in every state. If you would like to choose from a list of companies with the best discounts, follow this link.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • Can I drive in Mexico and have coverage?
  • I have a DUI can I still get coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Are rock chip repairs covered?
  • When does my teenage driver need to be added to my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How high should my medical payments coverage be?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Smart choices result in lower insurance premiums

Many things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are more obscure like your vehicle usage or your vehicle rating.

The factors shown below are some of the factors used by companies to determine prices.

  • Mileage impacts prices – Driving more miles each year the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates partially by how you use the vehicle. Autos that are left in the garage receive better premium rates than vehicles that have high annual mileage. It’s a good idea to make sure your declarations sheet shows how each vehicle is driven. Incorrect rating for your C/K 3500 Series is throwing money out the window.
  • Deter vehicle theft – Owning a car with an alarm system can get you a discount on your car insurance. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all help prevent auto theft.
  • Your spouse saves you money – Walking down the aisle may cut your premiums on your car insurance policy. It usually means you are more mature and responsible and insurance companies reward insureds because drivers who are married are more cautious.
  • Extra coverages that aren’t used – There are quite a few optional add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like coverage for rental cars, towing coverage, and term life insurance may be wasting your money. They may sound like good ideas when buying your policy, but if they’re wasting money remove them from your policy.

Auto insurance advertisements

21st Century, Allstate and State Farm regularly use television and radio advertisements. They all seem to make the point of big savings just by switching your policy. How do they all make almost identical claims? Just pay attention to how they say it.

All the different companies have specific guidelines for a prospective insured that earns them a profit. For instance, a profitable insured could possibly be between the ages of 30 and 50, has other policies, and drives less than 5,000 miles a year. A customer getting a price quote that fits those parameters will get a cheap rate quote and will save some money.

Potential insureds who may not quite match the requirements may be forced to pay a higher premium which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can truthfully make claims like that. Because of the profiling, drivers should get as many free insurance coverage quotes as possible. It is just not possible to predict with any certainty which company will have the best rates at this point in time.

Auto insurance coverage considerations

Having a good grasp of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Collision coverage protection

Collision insurance covers damage to your C/K 3500 Series resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, rolling your car, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from flooding, hail damage and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, X-ray expenses, hospital visits, doctor visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability

Liability insurance will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like repair costs for stationary objects, pain and suffering and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 1999 Chevy C/K 3500 Series.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Affordable insurance is out there

In this article, we presented a lot of ways to save on 1999 Chevy C/K 3500 Series insurance. The most important thing to understand is the more times you quote, the better likelihood of getting cheap insurance coverage. You may even discover the best price on insurance coverage is with a lesser-known regional company. They can often provide lower car insurance rates in certain areas than their larger competitors like GEICO and State Farm.

When getting insurance coverage quotes online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

More information can be found at the links below