Cheap 1999 Chevrolet C/K 3500 Series Insurance Cost

Want lower insurance rates for your Chevrolet C/K 3500 Series? Perplexed by the dozens of insurance options? You’re not alone. Consumers have so many options available that it can quickly become a challenge to locate the lowest price.

How to Compare Insurance Coverage Costs

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use online quoting to quickly compare rates.

Most car insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company then returns a price quote based on the submitted data. This eliminates the need for form submissions for each company you want a rate for. To compare pricing click here to start a free quote.

The single downside to doing it this way is that you can’t choose which insurance companies to receive prices from. If you wish to select specific providers to compare rates, we have a page of low cost insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage limits for every quote you compare. If the quotes have higher or lower deductibles it’s not possible to make a fair comparison for your Chevy C/K 3500 Series. Slightly different limits may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies will enable you to find the best rates.

Car insurance is unique, just like you

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Do I have coverage when making deliveries for my home business?
  • Do I need rental car coverage?
  • Are rock chip repairs covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are my friends covered when driving my car?
  • Am I covered when driving a rental car?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Learn about insurance coverages for a 1999 Chevy C/K 3500 Series

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

This coverage will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, bail bonds, loss of income and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy C/K 3500 Series.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, doctor visits, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays for damage to your C/K 3500 Series caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, rolling your car, colliding with another moving vehicle, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.