Lower Your 1998 Chevrolet C/K 3500 Series Insurance Cost

Looking for the cheapest insurance coverage rates for your Chevrolet C/K 3500 Series? Finding more affordable premium rates for insurance coverage could be difficult for people who are new to online price comparisons. Drivers have so many options that it can quickly become a difficult challenge to find cheaper insurance coverage rates.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Although car owners must learn how the larger insurance companies price online insurance.

Which auto insurance is cheapest?

When shopping for auto insurance there are multiple ways to compare quotes from many different insurance companies. The fastest way to lower the rate you pay for 1998 Chevy C/K 3500 Series insurance is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

  • The most recommended method to get the best comparison quotes is a comparison rater form like this one (opens in new window). This style of form eliminates the need for separate quotation requests to each individual auto insurance company. Just one form gets prices estimates from all major companies. This is perfect if you don’t have a lot of time.
  • A less efficient way to analyze rates requires you to visit each company’s website to complete their respective quote request forms. For example, let’s say you want comparison quotes from Farmers, GEICO and GMAC. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

Whichever method you choose, ensure you are comparing the same information for each comparison quote. If you enter higher or lower deductibles you can’t possibly get a fair rate comparison. Even a minor difference in coverage limits can make a big difference in price. And when price shopping your coverage, quoting more will improve the odds of getting the best offered rates. Not every company does online rate quotes, so it’s important to also get rates from them, too.

More affordable rates with these discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Certain reductions will be credited at quote time, but some may not be applied and must be manually applied in order for you to get them.

  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
  • Own a Home – Owning a house can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
  • Good Student – Being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Good Drivers – Safe drivers can save up to 40% or more on their auto insurance quote for C/K Series insurance compared to accident prone drivers.
  • More Vehicles More Savings – Buying a policy with several vehicles on one policy can get a discount for every vehicle.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off PIP or medical payments premium.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Even though it appears it’s possible to get free car insurance, it’s just not the way it works.

The best auto insurance companies and some of the discounts are outlined below.

  • GEICO has discounts for federal employee, defensive driver, emergency military deployment, driver training, multi-vehicle, and seat belt use.
  • MetLife offers discounts for claim-free, good driver, good student, defensive driver, and multi-policy.
  • Progressive has savings for multi-vehicle, homeowner, continuous coverage, good student, and multi-policy.
  • Travelers may have discounts that include continuous insurance, save driver, payment discounts, student away at school, and multi-car.
  • SAFECO may include discounts for anti-lock brakes, teen safe driver, accident prevention training, teen safety rewards, safe driver, drive less, and anti-theft.
  • AAA may offer discounts for multi-car, AAA membership discount, good driver, good student, and anti-theft.

When quoting, ask every prospective company how many discounts you can get. Some discounts listed above might not be available to policyholders in your area. To locate providers who offer cheap auto insurance quotes, click this link.

Auto insurance can be complex

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Will my rates increase for filing one claim?
  • Does having multiple vehicles earn me a discount?
  • Does my 1998 Chevy C/K 3500 Series qualify for pleasure use?
  • Is my 1998 Chevy C/K 3500 Series covered for flood damage?
  • What is UM/UIM insurance?
  • If my 1998 Chevy C/K 3500 Series is totaled, can I afford another vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when driving someone else’s vehicle?
  • What is an SR-22 filing?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Car insurance coverage basics

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, a broken windshield and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy C/K 3500 Series.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like ambulance fees, doctor visits, hospital visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects, attorney fees and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Collision coverage

This will pay to fix damage to your C/K 3500 Series resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.