How Much Does 1990 Chevrolet C/K 3500 Series Insurance Cost?

Looking for cheaper car insurance rates? Shoppers have a choice when shopping for the lowest priced Chevy C/K 3500 Series insurance. You can either spend your time calling around trying to get quotes or use the internet to find the lowest rates.

There are more efficient ways to find car insurance online and we’ll show you the proper way to quote coverages for your Chevy and find the lowest possible price from both online companies and local agents.

It’s a good idea to shop coverage around once or twice a year because prices change frequently. Even if you got the best rates on C/K Series coverage a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you’re about to learn the quickest way to find the best coverage while lowering your premiums.

How much can you save with discounts?

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked for in order for you to get them. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Life Insurance Discount – Larger companies have a discount if you purchase a life insurance policy as well.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy over the internet.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • College Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts up to age 25.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will cut your premiums.

To see a list of insurers with discount insurance rates, click here.

How much car insurance do I need?

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • What can I do if my company denied a claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • What if I total my 1990 Chevy C/K 3500 Series and owe more than it’s worth?
  • Why does it cost so much to insure a teen driver?
  • Is my nanny covered when driving my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • How do I insure my teen driver?
  • Does coverage extend to my business vehicle?
  • Am I covered when driving a rental car?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Don’t listen to company ads

Consumers can’t ignore all the ads that promise big savings by companies like Allstate, Geico and Progressive. They all have a common claim that you can save if you move to them.

How do they all claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the type of driver that earns them a profit. A good example of a profitable customer might be profiled as over the age of 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who meets those qualifications will get very good rates and as a result will probably save when switching.

Consumers who are not a match for these standards will have to pay higher premiums and this can result in the customer not buying. The ads state “people who switch” not “people who quote” save money. That is how companies can truthfully make those claims.

Because of the profiling, you should get as many quotes as possible. It’s just too difficult to predict which company will fit your personal profile best.

Insurance specifics

Understanding the coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical expenses, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1990 Chevy C/K 3500 Series.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

Collision insurance covers damage to your C/K 3500 Series caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like prosthetic devices, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Don’t throw your cash in the trash

The cheapest 1990 Chevy C/K 3500 Series insurance can be bought on the web as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don’t offer online price quotes and these small insurance companies work with independent agents.

You just read some good ideas how you can shop for insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the biggest savings come from some of the smallest insurance companies.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. Too many times, an insured cut uninsured motorist or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.

More detailed insurance information can be found by following these links: