View 1998 Chevrolet C/K 3500 Series Car Insurance Quotes

Trying to find better insurance coverage rates for your Chevrolet C/K 3500 Series? Scraping up a payment for overpriced Chevrolet C/K 3500 Series insurance can take a big chunk out of your bank account, especially in this economy. Doing a price comparison is a great way to cut your insurance bill.

Because you have many companies to choose from, it can be diffult for consumers to find the best provider.

Buying car insurance is not that difficult. In a nutshell, every driver who buys insurance coverage will more than likely be able to save money. But car owners can benefit from knowing how big insurance companies price online insurance and apply this information to your search.

Verify you’re getting all your discounts

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we break down some of the best known as well as the least known savings tricks you should be using.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • College Student – Youth drivers who are attending college and don’t have a car may qualify for this discount.
  • Clubs and Organizations – Belonging to certain professional organizations is a good way to get lower rates when buying auto insurance for C/K Series coverage.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for C/K Series coverage than less cautious drivers.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for C/K Series coverage depending on your company.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of 20% or more.
  • Multiple Cars – Buying coverage for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Bundle and Save – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.

Keep in mind that most discount credits are not given to the entire cost. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, it doesn’t quite work that way.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

Check with each insurance company which discounts they offer. Discounts might not be offered in your state.

Chevy C/K 3500 Series rates influenced by many factors

An important part of buying insurance is that you know some of the elements that go into determining your auto insurance rates. Understanding what determines base rates allows you to make educated decisions that can help you get better auto insurance rates.

  • Lower miles equals lower premium – The more you drive in a year the higher your rate. Almost all companies apply a rate based on their usage. Cars that are left in the garage get more affordable rates than those used for commuting. Verify your auto insurance policy is showing the correct driver usage. If your policy improperly rates your C/K 3500 Series can cost quite a bit.
  • Save money with special equipment – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Do you need those extra coverages? – There are a lot of additional coverages that can waste your money on your auto insurance policy. Coverages for rental car reimbursement, accident forgiveness and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • You might want pay the small claims yourself – If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies award better rates to drivers who are claim-free. Car insurance is intended for the large, substantial claims.

When should I talk to an agent?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

  • Is my custom paint covered by insurance?
  • Is my teenager covered with friends in the car?
  • Does car insurance cover theft of personal property?
  • Should I buy additional glass protection?
  • How much liability do I need to cover my assets?
  • How can I find cheaper teen driver insurance?
  • Do I pay less for low miles?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Having a good grasp of car insurance helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Liability – This coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as structural damage, attorney fees, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy C/K 3500 Series.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive car insurance – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, falling objects, a tree branch falling on your vehicle, vandalism and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills like EMT expenses, chiropractic care, nursing services and prosthetic devices. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, driving through your garage door, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Final thoughts

We just covered quite a bit of information on how to save on 1998 Chevy C/K 3500 Series insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from the smaller companies. They may have significantly lower rates on certain market segments as compared to the big name companies such as Geico and State Farm.

When buying insurance coverage, you should never buy poor coverage just to save money. In too many instances, an insured cut uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate.

Budget-conscious insurance can be found both online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

To read more, link through to the resources below: