Compare 1996 Chevrolet C/K 3500 Series Insurance Rates

Trying to find low-cost insurance for a new or used Chevy C/K 3500 Series can be an all-consuming task, but you can learn our insurance buying tips to save time. There are more efficient ways to compare insurance rates and you need to know the absolute fastest way to compare rates for your Chevy and locate the cheapest rates from both online companies and local agents.

You need to compare prices before your next renewal because prices change frequently. Even if you got the best deal on C/K Series coverage on your last policy you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the best ways to buy cheaper insurance.

If you have insurance now or are shopping for new coverage, you can use these techniques to shop for the lowest rates and still get good coverage. Finding more affordable protection is not that difficult. Consumers only need an understanding of the most efficient way to get comparison rates online.

The easiest way to compare policy rates is to know the fact auto insurance companies allow for online access to quote your coverage. The only thing you need to do is provide the companies a bit of rating information including what your job is, if you’re married, distance driven, and whether or not you need a SR-22. Your information gets sent immediately to many of the top insurers and you get price estimates instantly.

Big brands don’t always mean big savings

Consumers can’t get away from all the ads for the lowest price car insurance from the likes of Allstate and Progressive. They all make the same claim that people will save just by moving to them.

How does every car insurance company charge you less for auto insurance?

Different companies quote their best rates for the type of insured that earns them the most money. One example of a profitable risk profile might have to be between 25 and 40, has no prior claims, and drives a vehicle with a low ISO rating. Any person who matches that profile receive the lowest rate quotes and therefore will save quite a bit of money when switching.

Drivers who fall outside these stringent criteria will probably have to pay higher premium rates and this can result in the customer buying from someone else. The trick is to say “drivers that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can confidently make those statements. This really emphasizes why it is so important to do a quote comparison often. It is impossible to guess which company will have the best auto insurance rates at this point in time.

Chevy C/K 3500 Series insurance cost factors

The best way to find cheaper car insurance is to take a look at the different types of things that are used to determine car insurance rates. When consumers understand what influences your rates, this allows you to make good choices that can help you get lower premium levels.

• Do you have enough liability insurance? – The liability coverage on your policy is the protection if a court rules you are at fault for damages from an accident. Your policy’s liability insurance provides you with a defense in court to defend your case. It is affordable coverage compared to comp and collision, so do not skimp.
• Do you know you’re credit rating? – Your credit history factor in determining what you pay for car insurance. If your credit history leaves room for improvement, you could potentially save money when insuring your 1996 Chevrolet C/K 3500 Series by improving your credit score. People that have very high credit ratings tend to file fewer claims than those with lower ratings.
• Car insurance rates and age – More mature drivers are viewed as being more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Teen drivers are known to be more careless when driving with friends so they pay higher car insurance rates.
• Where you call home – Being located in a small town has definite advantages if you are looking for the lowest rates. Fewer drivers and short commutes translates into fewer accident claims. Drivers in populated areas regularly have more road rage incidents and longer commute times. Longer commute distances translates into higher accident risk.
• Buy a safe car and pay less – Cars with five star safety ratings tend to be cheaper to insure. Safe vehicles reduce occupant injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Chevy is rated at a minimum four stars on Safercar.gov you may pay a lower rate.

Find discounts to get cheap insurance quotes

Insurance is easily one of your largest bills, but there are discounts available that can dramatically reduce your bill. Some discounts apply automatically at the time of quoting, but some discounts are required to be asked for prior to getting the savings.

• Discount for New Cars – Insuring a new car can save you some money due to better safety requirements for new vehicles.
• Telematics Discount – Drivers who elect to allow their company to spy on driving habits by using a telematics device such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
• Student Discount for Driver Training – Require your teen driver to take driver’s ed class in high school.
• Driver Training Discounts – Taking part in a course in driver safety may get you a small discount and make you a better driver.
• Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.
• Own a Home and Save – Owning a home can get you a discount since home ownership means you have a higher level of financial diligence.
• Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.
• Senior Citizens – Drivers that qualify as senior citizens are able to get better insurance rates on C/K Series coverage.
• Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on C/K Series coverage depending on your insurance provider.
• Professional Organizations – Being in a civic or occupational organization could qualify you for a break when getting a insurance quote.

A quick disclaimer, most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though you would think you could get a free insurance policy, company stockholders wouldn’t be very happy. Any qualifying discounts will help reduce the cost of coverage.

If you would like to view insurance companies offering insurance discounts, click here to view.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions can help discover whether or not you will benefit from professional help.

• Is business equipment covered while in my vehicle?
• Should I buy more coverage than the required minimum liability coverage?
• Do I need motorclub coverage?
• Should I waive the damage coverage when renting a car?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is pleasure use cheaper than using my 1996 Chevy C/K 3500 Series to commute?
• Is my trailer covered?
• Should I buy full coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance policy coverages for a 1996 Chevy C/K 3500 Series

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, hitting a deer, damage from a tornado or hurricane and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy C/K 3500 Series.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses for doctor visits, pain medications and prosthetic devices. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage will pay to fix damage to your C/K 3500 Series resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, sideswiping another vehicle, crashing into a building, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for liability – This coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, legal defense fees, funeral expenses, court costs and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

In any little way, save everyday

When shopping online for insurance coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your goal should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

We’ve covered a lot of techniques to get a better price on 1996 Chevy C/K 3500 Series insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the best prices are with the least-expected company.

Insureds change insurance companies for any number of reasons including policy cancellation, denial of a claim, lack of trust in their agent and high prices. Regardless of your reason, finding a new insurance coverage company can be easier than you think.

More information can be found at these links:

• Understanding your Policy (NAIC.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Senior Drivers (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)