Cheap 1997 Chevrolet C/K 3500 Series Insurance Rates

Are you overwhelmed by the dozens of car insurance providers available to you? Many other people are as well. Drivers have such a large number of options that it can be a real challenge to find a more affordable company.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. This information will help you learn the best way to quote coverages and some money-saving tips. But drivers must learn the way companies sell online and take advantage of how the system works.

Don’t overlook these auto insurance discounts

Buying auto insurance is not cheap, but you may be missing some discounts that you may not know about. Some discounts apply automatically when you get a quote, but occassionally some discounts must be specifically requested before you will receive the discount.

• Multiple Vehicles – Insuring several vehicles on one policy qualifies for this discount.
• Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
• Membership in Organizations – Joining qualifying clubs or civic groups could earn you a nice discount on auto insurance.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
• Multi-line Discount – Companies who offer life insurance give better premium rates if you take out a life policy as well.
• Bundle and Save – If you combine your homeowners and auto policies and insure them both with the same insurance company you may earn 10% to 20% off each policy.
• Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on C/K Series coverage than drivers with accidents.
• Government Employee Discount – Federal government employees can earn a discount up to 10% on C/K Series coverage with certain companies.
• Onboard Data Collection – Drivers who elect to allow driving data collection to scrutinize where and when they drive by using a telematic data system such as Progressive’s Snapshot may see discounts if they are good drivers.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, it’s just not the way it works. But all discounts will help reduce your policy premium.

Popular auto insurance companies and a summarized list of policyholder discounts are:

• Farmers Insurance has savings for distant student, early shopping, business and professional, teen driver, and multi-car.
• State Farm includes discounts for passive restraint, accident-free, good student, driver’s education, multiple policy, and Steer Clear safe driver discount.
• Liberty Mutual may offer discounts for new graduate, newly married, safety features, teen driver discount, preferred payment discount, hybrid vehicle, and multi-policy.
• MetLife policyholders can earn discounts including claim-free, good driver, accident-free, defensive driver, good student, and multi-policy.
• Progressive has discounts for continuous coverage, online quote discount, online signing, good student, multi-policy, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to each insurance company the best way to save money. Some discounts may not be available in every state. To locate insurance companies that offer many of these discounts, follow this link.

The best way to compare insurance rates from multiple companies is to realize all the major auto insurance companies provide online access to provide you with free rate quotes. All consumers are required to do is spend a couple of minutes providing details like your education level, what you do for a living, the make and model of your vehicles, and whether you are married. That information is instantly submitted to multiple top-rated companies and you should receive rate quotes within a short period of time.

When to get professional advice

When buying the best car insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether your personal situation will benefit from professional help.

• Do I need an umbrella policy?
• What is the ISO rating for a 1997 Chevy C/K 3500 Series?
• Does insurance cover damages from a DUI accident?
• Can my teen driver be rated on a liability-only vehicle?
• Does insurance cover tools stolen from my truck?
• I don’t drive much so do I pay less?
• Can my babysitter drive my car?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Insurance coverage breakdown

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy C/K 3500 Series.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage pays for damage to your C/K 3500 Series from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, scraping a guard rail, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hitting a bird, a tree branch falling on your vehicle, rock chips in glass and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as hospital visits, surgery, ambulance fees and funeral costs. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

A tidy conclusion

Consumers leave their current company for any number of reasons including unfair underwriting practices, not issuing a premium refund, high rates after DUI convictions or an unsatisfactory settlement offer. Whatever your reason, choosing a new company is less work than it seems.

Throughout this article, we presented some good ideas how you can lower your 1997 Chevy C/K 3500 Series insurance premium rates. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may discover the biggest savings come from a small local company.

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Even more information is available at these sites:

• Prom Night Tips for Teen Drivers (State Farm)
• Airbag FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Teen Driver Licensing Information (iihs.org)
• Choosing a Car for Your Teen (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)