1991 Chevrolet C/K 3500 Series Insurance Cost – 9 Discounts for Cheaper Prices

Trying to find better insurance rates for your Chevrolet C/K 3500 Series? Paying for expensive Chevrolet C/K 3500 Series insurance can drain your monthly budget and force you to cut corners elsewhere. Performing a rate comparison is recommended to lower your monthly bill.

Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurance companies to get the lowest price

It’s important to quote other rates before your policy renews since prices go up and down regularly. Even if you got the lowest rates for C/K Series insurance a few years ago a different company probably has better premium rates today. Ignore everything you know about insurance because we’re going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

The quickest way to compare rates is to take advantage of the fact most larger insurance companies provide online access to provide you with a free rate quote. The one thing you need to do is give them some information like if you’re married, whether your vehicle is owned or leased, the type of vehicles you drive, and if your license is active. Your rating data is then submitted to insurance carriers in your area and you receive quotes instantly to find the best rate.

To find lower rates now, click here and find out if lower rates are available.

Do you qualify for these nine discounts?

Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available to reduce the price significantly. Most are applied at the time you complete a quote, but lesser-known reductions have to be inquired about before you will receive the discount.

• Life Insurance Discount – Select insurance companies reward you with a discounted rate on car insurance if you buy life insurance.
• Accident Forgiveness – but some insurance companies will forgive one accident without the usual rate increase if your claims history is clear for a set time period.
• Own a Home and Save – Just being a homeowner can get you a discount because maintaining a house shows financial diligence.
• Switch and Save Discount – A few larger companies offer discounts for switching to them early. You could save around 10% when you buy car insurance online.
• Air Bag Discount – Factory options such as air bags or automatic seat belts may qualify for discounts of up to 25% or more.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could earn slightly better auto insurancerates than normal.
• 55 and Retired – Mature drivers may be able to get better auto insurance rates for C/K Series insurance.
• Defensive Driving Course – Participating in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
• ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.

It’s important to understand that some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. But all discounts should definitely cut the amount you have to pay.

The best auto insurance companies and some of the discounts are included below.

• State Farm offers discounts including safe vehicle, anti-theft, driver’s education, good driver, Steer Clear safe driver discount, and student away at school.
• Geico may include discounts for driver training, military active duty, anti-theft, air bags, and multi-vehicle.
• Progressive has discounts for continuous coverage, homeowner, good student, multi-vehicle, multi-policy, and online signing.
• 21st Century discounts include homeowners, anti-lock brakes, 55 and older, air bags, and defensive driver.
• American Family includes discounts for Steer into Savings, multi-vehicle, defensive driver, mySafetyValet, bundled insurance, and TimeAway discount.
• The Hartford offers discounts for vehicle fuel type, anti-theft, defensive driver, driver training, and good student.
• AAA policyholders can earn discounts including good driver, multi-car, education and occupation, multi-policy, and AAA membership discount.

When quoting, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your state.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Will filing a claim cost me more?
• Does my insurance cover my expensive audio equipment?
• Can I drive in Mexico and have coverage?
• Will my insurance pay for OEM parts?
• Am I covered if I wreck a rental car?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I have newly-aquired coverage?
• What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage options for a Chevy C/K 3500 Series

Understanding the coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from car insurance companies.

Liability auto insurance – This coverage will cover damage that occurs to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, pain and suffering, emergency aid and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision coverages – This coverage covers damage to your C/K 3500 Series caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle, crashing into a building, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, hitting a bird and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy C/K 3500 Series.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses like surgery, rehabilitation expenses and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

In this article, we covered a lot of information how to get a better price on 1991 Chevy C/K 3500 Series insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. You may even discover the most savings is with a smaller regional carrier. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.

Cheap 1991 Chevy C/K 3500 Series insurance can be found from both online companies as well as from insurance agents, so you need to shop car insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer price quotes online and most of the time these smaller providers prefer to sell through independent agencies.

Additional detailed information can be found by following these links:

• How to Avoid Staged Accidents (State Farm)
• Understanding your Policy (NAIC.org)
• Coverage Information (Progressive Insurance)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)