1992 Chevrolet C/K 3500 Series Car Insurance Rates

Looking for cheaper insurance rates for your Chevrolet C/K 3500 Series? I can’t think of anyone who cherishes buying insurance, in particular when the cost is too high. Since consumers have many options when it comes to insurance, it’s difficult to choose the lowest price car insurance company.

Insurance Coverage Comparisons

All the larger insurance coverage companies such as Geico, State Farm and Progressive give prices for coverage on their websites. This process is pretty painless as you just enter the coverages you want as detailed in the form. After the form is submitted, their system will order your driving record and credit report and generates pricing information based on these factors. Quoting online helps simplify price comparisons, but having to visit many different websites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to perform this step in order to find the lowest price.

The smarter way to find lower prices uses one simple form that obtains quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much simpler. After sending the form, your coverage is rated and you are able to buy any one of the quotes that you receive. If you find a better price you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to compare rates using this form now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you replicate the insurance coverages as close as possible to your current policy. This way, you will be getting rate quotes using the same coverage and limits.

Lots of discounts mean lots of savings

Auto insurance companies don’t always list every discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance. If you’re not getting every credit you qualify for, you are throwing money away.

  • Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

Companies that possibly offer these benefits may include but are not limited to:

Before buying, ask each insurance company how you can save money. All car insurance discounts may not apply in every state.

Situations that might require an agent

When choosing proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Is pleasure use cheaper than using my 1992 Chevy C/K 3500 Series to commute?
  • How do I buy GAP insurance?
  • Do I need higher collision deductibles?
  • If my 1992 Chevy C/K 3500 Series is totaled, can I afford another vehicle?
  • When can I cancel my policy?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Auto insurance coverages

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

UM/UIM Coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

Collision coverage pays for damage to your C/K 3500 Series from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, scraping a guard rail, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for hospital visits, pain medications, nursing services, chiropractic care and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, a broken windshield, falling objects and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as medical expenses, medical services, attorney fees and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.