2000 Chevrolet C/K 3500 Series Car Insurance Cost – 7 Tips for Cheapest Prices

Looking for lower insurance rates for your Chevrolet C/K 3500 Series? Did you fall for a flashy sales pitch and buy high-priced insurance? Believe me when I say there are many people just like you.

Multiple car insurance companies compete for your business, so it’s not easy to compare every insurer and get the definite best rates possible.

It is always a good idea to get comparison quotes occasionally because prices go up and down regularly. Despite the fact that you may have had the best rates for C/K Series insurance two years ago other companies may now be cheaper. Starting right now, forget anything you know (or think you know) about insurance because I’m going to teach you the quickest way to properly buy coverages and cut your premium.

Discounts on Chevy C/K 3500 Series insurance

Auto insurance companies don’t always list every available discount very well, so we break down some of the more common as well as the least known insurance savings.

  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Accident Free – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Paperwork-free – Some insurance companies give back up to $50 just for signing your application digitally online.

It’s important to note that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

Companies that may offer these discounts include:

Double check with all companies you are considering which discounts they offer. Some discounts may not be available in your area.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining if you may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • Does coverage extend to a rental car in a foreign country?
  • When should I not file a claim?
  • Do I have any recourse if my insurance company denies a claim?
  • How can I find cheaper teen driver insurance?
  • Do I need replacement cost coverage on my 2000 Chevy C/K 3500 Series?
  • Does my policy pay for OEM or aftermarket parts?
  • Does having multiple vehicles earn me a discount?
  • Is rental equipment covered for theft or damage?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Detailed coverages of your insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as attorney fees, medical expenses, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage

This will pay to fix damage to your C/K 3500 Series caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy C/K 3500 Series.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for things like nursing services, pain medications, doctor visits and funeral costs. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, fire damage and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

We’ve covered a lot of tips how to shop for 2000 Chevy C/K 3500 Series insurance online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small mutual company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. In many cases, someone dropped full coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

More detailed car insurance information is available in these articles: