Lower Your 1994 Chevrolet C/K 3500 Series Insurance Rates

Looking for the cheapest insurance rates for your Chevrolet C/K 3500 Series? Have you finally had enough of not being able to afford to pay your insurance bill each month? You are no different than millions of other vehicle owners. Many insurers compete to insure your vehicles, and because of this it can be hard to compare insurers and get the definite cheapest price

Informed consumers can slash their insurance premiums

The best way to find cheaper car insurance is to take a look at the rating factors that help determine the rates you pay for car insurance. When you understand what determines premiums, this empowers consumers to make smart changes that could result in big savings.

  • Drive lots and pay more – The more you drive your Chevy annually the higher the price you pay to insure it. A lot of companies rate vehicles based upon how much you drive. Autos that have low annual miles qualify for better rates as compared to vehicles used primarily for driving to work. Verify your car insurance coverage is showing how each vehicle is driven, because it can save money. An improperly rated C/K 3500 Series is just wasting money.
  • Get hitched and pay lower prices – Walking down the aisle may earn you lower rates compared to being single. It may mean you are more responsible it has been statistically shown that being married results in fewer claims.
  • Car and home together may be cheaper – Most car insurance companies will award discounts to people that have more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. If you currently are using one company, you may still want to comparison shop to ensure the best deal.There is a good possibility that you can save even more by buying from different companies
  • Your location is a factor – Residing in a small town has definite advantages if you are looking for the lowest rates. People who live in big cities have to deal with more road rage incidents and higher rates of accident claims. Less people means fewer accidents.
  • Liability is cheap – The liability section of your policy will protect you if you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Insurance coverage policy discounts you can’t miss

Insurance coverage can be pricey, but there may be some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you quote, but some may not be applied and must be specially asked for before being credited.

  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on C/K Series coverage depending on your company.
  • Low Mileage – Driving fewer miles could qualify for discounted prices on garaged vehicles.
  • Drive Safe and Save – Accident-free drivers could pay up to 40% less on C/K Series coverage than drivers with accidents.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
  • Accident Waiver – This one isn’t a discount, but a handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.

We need to note that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

A list of companies and some of the premium reductions they offer can be found below.

  • State Farm discounts include good driver, student away at school, passive restraint, multiple autos, good student, and multiple policy.
  • GEICO offers premium reductions for multi-policy, driver training, military active duty, good student, and multi-vehicle.
  • SAFECO has discounts for safe driver, homeowner, accident prevention training, bundle discounts, teen safe driver, teen safety rewards, and drive less.
  • Farmers Insurance offers discounts including distant student, early shopping, business and professional, good student, youthful driver, teen driver, and switch companies.
  • AAA offers discounts for good driver, anti-theft, pay-in-full, AAA membership discount, multi-car, multi-policy, and good student.
  • USAA may have discounts that include defensive driver, safe driver, multi-policy, driver training, and family discount.

If you need affordable insurance coverage quotes, ask all the companies to give you their best rates. Some discounts listed above may not apply to policies in your area. If you would like to view insurance coverage companies that offer the discounts shown above, click this link.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions can help discover if you might need professional guidance.

  • Is business property covered if stolen from my car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are split liability limits better than a combined single limit?
  • When can my company non-renew my policy?
  • Can I get a multi-policy discount?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy C/K 3500 Series.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability insurance provides protection from damage that occurs to people or other property. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, pain and suffering, medical expenses and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Collision insurance

Collision insurance covers damage to your C/K 3500 Series caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, damage from flooding, vandalism and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Get your money’s worth

As you quote insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

We just showed you many tips how you can save on 1994 Chevy C/K 3500 Series insurance. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates are with a smaller regional carrier. They may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm and Allstate.

More information can be read at the links below