Compare 1991 Chevrolet C/K 3500 Series Insurance Cost

Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me, you’re not alone. Because you have many choices, it can be diffult for consumers to pick the most affordable insurer.

You should make it a habit to check insurance coverage prices every six months because rates are adjusted regularly by insurance companies. Even if you think you had the best rates for C/K Series insurance last year other companies may now be cheaper. So forget anything you know (or think you know) about insurance coverage because you’re going to learn the quickest way to lower your annual insurance bill.

Finding the best rates is not rocket science. If you have a policy now or are just looking to switch companies, you can learn to reduce the price you pay and possibly find even better coverage. Drivers just need to learn how to shop for insurance on the web.

Free Auto Insurance Quotes

Shopping for lower auto insurance rates can take time and effort if you aren’t aware of the most efficient way to do it. You can waste a lot of time talking about coverages with agents in your area, or you can utilize the web for quick rates.

Many popular insurance companies belong to a marketplace where prospective buyers send in one quote, and every company can give them a price determined by their information. This prevents consumers from doing quotation requests to each individual auto insurance company.

To compare pricing click here (opens in new window).

The only downside to using this type of system is you can’t choose the companies to get pricing from. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use exactly the same coverage limits and deductibles on every quote you get. If you are comparing different values for each quote it will be next to impossible to determine the best price for your Chevy C/K 3500 Series.

Lots of discounts mean lots of savings

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down some of the more common and the more hidden savings tricks you should be using. If they aren’t giving you every credit available, you are throwing money away.

• Anti-theft System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
• Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Homeowners Savings – Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
• Multiple Cars – Buying coverage for all your vehicles on the same car insurance policy could earn a price break for each car.
• Federal Employees – Employees or retirees of the government could cut as much as 10% off for C/K Series insurance with select insurance companies.
• Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
• Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.

It’s important to note that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

For a list of insurers who offer car insurance discounts, click here.

Situations that might require an agent

When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether you might need professional guidance.

• Do I need medical payments coverage since I have good health insurance?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my cargo covered for damage or theft?
• When can I cancel my policy?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can I drive in Mexico and have coverage?
• How do I buy GAP insurance?
• What is PIP insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

The coverage is in the details

Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for things like pain medications, nursing services, chiropractic care, X-ray expenses and surgery. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, falling objects and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your 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, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability insurance

Liability insurance protects you from damage that occurs to people or other property. It protects you against other people’s claims. 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. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like repair bills for other people’s vehicles, funeral expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.