1996 Chevrolet C/K 3500 Series Car Insurance Rates – 9 Ways to Save

Locating the cheapest insurance for a Chevy C/K 3500 Series can normally be difficult, but you can use the following methods to make it easier. There is a better way to compare auto insurance rates so you’re going to learn the quickest way to price shop coverage on a Chevy and obtain the best price possible from local insurance agents and online providers.

Discounts can save BIG

Car insurance companies don’t necessarily list all their discounts very clearly, so the following is a list of both the well known and also the lesser-known insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
  • Air Bag Discount – Cars that have air bags can qualify for discounts of up to 25% or more.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Accident Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance because maintaining a house demonstrates responsibility.
  • Clubs and Organizations – Affiliation with certain professional organizations is a good way to get lower rates on your policy for C/K Series coverage.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way.

A partial list of companies that may offer these benefits may include but are not limited to:

Check with all companies you are considering which discounts you may be entitled to. Savings may not apply everywhere.

Drivers who switch save $415 a year? Really?

Consumers get pounded daily by advertisements that promise big savings by State Farm, Allstate and Geico. All the ads have a common claim of big savings if you move to their company.

How can each company make the same claim?

Different companies are able to cherry pick for the type of driver that is profitable for them. A good example of a profitable customer could be between 25 and 40, insures multiple vehicles, and has a short commute. A customer who matches those parameters is entitled to the best price and therefore will pay quite a bit less when switching companies.

Consumers who fall outside the requirements will have to pay more money which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much. That is how companies can truthfully state the savings. Because of the profiling, drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy C/K 3500 Series insurance rates.

Will just any policy work for me?

When buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When should I drop full coverage on my 1996 Chevy C/K 3500 Series?
  • Can I afford low physical damage deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How much underlying liability do I need for an umbrella policy?
  • What if I don’t agree with a claim settlement offer?
  • Do I have newly-aquired coverage?
  • Is my cargo covered for damage or theft?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage considerations

Knowing the specifics of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability – Liability insurance can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like loss of income, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like hospital visits, dental work, doctor visits, surgery and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage 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 have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a ditch, driving through your garage door, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy C/K 3500 Series.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from 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 claims like hitting a deer, damage from flooding, damage from a tornado or hurricane and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

You can do this!

Cheaper 1996 Chevy C/K 3500 Series insurance can be sourced on the web and also from your neighborhood agents, so you should compare both to have the best selection. Some companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you many tips how you can get a better price on insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from an unexpected company.

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

More detailed insurance information can be found in these articles: