1991 Chevrolet C/K 3500 Series Car Insurance Quotes

Want lower insurance rates for your Chevrolet C/K 3500 Series? Did you fall for a flashy sales pitch and buy high-priced insurance? Believe me when I say you are not the only one feeling buyer’s remorse.

Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies to find the absolute best price available.

Automobile Insurance Quotes

To find the best insurance prices, there are several ways to get quotes from insurance companies in your area. The recommended way to compare 1991 Chevy C/K 3500 Series insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished using a couple different methods.

  1. One of the simplest ways consumers can analyze rates is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form entry for every insurance company. A single, simple form will return price quotes from insurance companies with the best prices.
  2. A different way to shop for insurance online requires a trip to the website for each individual company and fill out their own quote form. For examples sake, let’s say you want to compare Auto-Owners, Progressive and American Family. To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but ensure you are comparing identical quote information for every company. If you compare differing limits it will be very difficult to truly determine the lowest rate. Quoting even small variations in insurance coverages could mean much higher rates. And when comparing insurance rates, know that comparing more company’s prices helps you find better pricing.

Lesser-known factors impacting Chevy C/K 3500 Series insurance rates

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for insurance. Knowing what controls the rates you pay helps enable you to make changes that can help you get better insurance rates.

  • Women pay lower rates – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. They both tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like DUI and reckless driving.
  • You might want pay the small claims yourself – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Insurance companies generally give discounts to policyholders who do not file claims often. Auto insurance is intended for larger claims.
  • Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Chevy C/K 3500 Series earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Where you live is a factor – Choosing to live in a rural area is a positive aspect when insuring your vehicles. City drivers tend to have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for damages from an accident. Liability provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be manually applied before being credited.

  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for C/K Series coverage depending on your company.
  • E-sign – A handful of insurance companies may give you up to $50 just for signing your application online.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10% for C/K Series coverage.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Air Bag Discount – Cars that have air bags can receive discounts up to 30%.

Keep in mind that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

For a list of insurance companies with discount insurance rates, follow this link.

When should I use an insurance agent?

When choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight whether or not you may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Are there companies who specialize in insuring high-risk drivers?
  • When would I need rental car insurance?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Insurance coverage breakdown

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Collision coverage protection

This coverage will pay to fix damage to your C/K 3500 Series from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, scraping a guard rail, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, a broken windshield, vandalism and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses like rehabilitation expenses, X-ray expenses, doctor visits, surgery and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, court costs, medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

A penny earned…

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

We covered a lot of tips how to reduce 1991 Chevy C/K 3500 Series insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

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