Cheaper 1993 Chevrolet C/K 3500 Series Car Insurance Quotes

Purchasing affordable auto insurance on the web can be somewhat intimidating for comparing prices over the internet. With such a large number of insurers available, how are we expected to have time to compare every auto insurance company to find the best pricing?

It’s a good idea to compare premium rates every six months due to the fact that insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rates for C/K Series insurance last year the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.

Choosing the best insurance company for you is not that difficult. Basically, every vehicle owner who buys insurance will most likely be able to save money. But vehicle owners must understand the way insurance companies price insurance differently and take advantage of how the system works.

Lower rate quotes with discounts

Some insurers don’t always list every discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find discounts that may be available. If you’re not getting every credit you qualify for, you’re paying more than you need to.

• Federal Government Employee – Active or former government employment could provide a small rate reduction for C/K Series insurance but check with your company.
• Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
• Multi-car Discount – Having multiple vehicles with one company can get a discount on all vehicles.
• Telematics Devices – Insureds who allow their company to look at their driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as they are good drivers.
• Bundled Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you will save at least 10% off all policies.
• Claim Free – Insureds with no claims or accidents pay less compared to insureds who have frequent claims or accidents.
• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% for C/K Series insurance compared to accident prone drivers.
• Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could qualify for this discount.
• Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course if offered at their school.

Don’t be surprised that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of providers that offer multiple discounts, follow this link.

How to compare free insurance coverage quotes

All the larger insurance coverage companies such as State Farm and Allstate provide insurance quotes from their websites. Comparing rates online is possible for anyone as you simply type in into the quote form. Upon sending the form, their system orders your driving and credit reports and returns a price quote based on the information you submitted.

Being able to quote online makes it simple to compare prices but having to visit each company’s website and repetitively type in your information can get tiresome after awhile. But it’s very important to get many rate quotes if you want to find better insurance coverage pricing.

The easy way to compare rates

The preferred way to locate the lowest prices uses one simple form that gets prices from multiple companies. It’s a real time-saver, requires less work, and makes online price comparison much more efficient. After sending the form, it is quoted and you can choose any or none of the quotes returned. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

In order to compare pricing, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you replicate just like they are on your policy. Doing this assures you are getting rate comparison quotes using the same coverage and limits.

What is the best car insurance coverage?

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your insurance needs might need professional guidance.

• How can I get my company to pay me more for my totalled car?
• When do I need to add a new car to my policy?
• Is my state a no-fault state?
• Can I make deliveries for my home business?
• Should I get collision insurance on every vehicle?
• Do I pay less for low miles?
• Is extra glass coverage worth it?

If you don’t know the answers to these 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.

Coverages available on your insurance policy

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for dental work, prosthetic devices, EMT expenses and hospital visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover 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 only offered in select states and may carry a deductible

Liability coverage

This provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like loss of income, bail bonds, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy C/K 3500 Series.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a broken windshield and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Save for a rainy day

Consumers change insurance companies for any number of reasons including policy cancellation, questionable increases in premium, delays in responding to claim requests or even being labeled a high risk driver. It doesn’t matter what your reason, switching companies can be less work than you think.

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There are many occasions where an insured cut liability limits or collision coverage only to regret that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

We just presented a lot of ways to lower your 1993 Chevy C/K 3500 Series insurance prices. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest prices are with an unexpected company.

Helpful information

• Auto Insurance Basics (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Get the Right Protection (InsureUonline.org)
• Young Drivers: The High Risk Years Video (iihs.org)