How Much Does 1990 Chevrolet C/K 3500 Series Car Insurance Cost?

Trying to find the cheapest insurance for a new or used Chevy C/K 3500 Series can turn out to be an all-consuming task, but you can follow our car insurance buying tips to save time.

There is a right way and a wrong way to find car insurance online and you need to know the absolute fastest way to price shop coverage for your Chevy and locate the lowest possible price.

Smart consumers take time to do rate comparisons on a regular basis since insurance rates are constantly changing. Just because you found the best price on C/K Series insurance six months ago you can probably find a better price now. Ignore everything you know about car insurance because you’re about to find out how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

How to Lower Your Insurance Cost

Finding a lower price on 1990 Chevy C/K 3500 Series insurance is surprisingly easy. You just have to invest a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quotes to each individual insurance company. One simple form compares rates from insurance companies with the best prices. It’s definitely the quickest method.

A harder way to analyze rates requires a trip to each company’s website to request a price quote. For sake of this example, let’s say you want comparison quotes from Auto-Owners, Safeco and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The most time-consuming way of getting rate comparisons is driving around to local insurance agencies. The internet eliminates the need for an insurance agent unless you have a need for the professional advice that only a license agent can provide. You can, however, comparison shop your insurance online and still use a local agent. We’ll cover that shortly.

It’s up to you which method you use, but ensure you are comparing exactly the same coverages and limits on every quote. If you are comparing mixed coverages it’s impossible to determine the lowest rate for your Chevy C/K 3500 Series.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions may help highlight whether or not you might need an agent’s assistance.

• Do I need medical payments coverage since I have good health insurance?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does medical payments coverage apply to all occupants?
• Is my teen driver covered when they drive my company car?
• Does my insurance cover a custom paint job?
• Does insurance cover damages from a DUI accident?
• Am I getting all the discounts available?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for nursing services, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your C/K 3500 Series resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, damage from getting keyed and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

This coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical services, emergency aid, loss of income and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy C/K 3500 Series.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.