Compare 1996 Chevrolet C/K 3500 Series Insurance Quotes

I can’t think of a single person who looks forward to paying for insurance, particularly when their premiums are through the roof.

Multiple insurers compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest price

It’s a good idea to get comparison quotes periodically since rates are variable and change quite frequently. Even if you think you had the best rates on C/K Series coverage a year ago you will most likely find a better rate today. So just block out anything you think you know about insurance because we’re going to show you the best way to find lower rates on insurance.

If you currently have car insurance, you should be able to reduce your rates substantially using this information. Choosing the best insurance company for you is not rocket science. Although drivers need to have an understanding of the way insurance companies price insurance differently and apply this information to your search.

Free Auto Insurance Quotes

The are a couple different ways of comparing rates from local auto insurance companies. The easiest way by far to find the cheapest 1996 Chevy C/K 3500 Series insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

  1. Probably the best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form entry for each company. Taking the time to complete one form will return price quotes from auto insurance companies with the best prices.
  2. A less efficient way to find lower rates is going to the website of each company and request a quote. For instance, let’s say you want rates from Allstate, State Farm and Farmers. To find out each rate you need to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples quote information with every price quote. If your comparisons have different liability limits it’s not possible to make an equal comparison. Quoting even small variations in insurance coverages may result in large price differences. Just remember that quoting more helps you find the best price.

Can you really save $483 a year?

Auto insurance companies such as Allstate and Progressive regularly use ads on television and other media. They all seem to make an identical promise about savings if you move your policy. How can each company claim to save you money?

All the different companies can use profiling for the right customer that makes them money. For example, a desirable insured could possibly be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A driver who fits that profile gets the lowest rates and therefore will cut their rates substantially.

Drivers who don’t meet these standards will have to pay more money and ends up with the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently advertise the way they do.

Because of the profiling, it’s extremely important to get a wide range of price quotes. It’s impossible to know which auto insurance company will give you the biggest savings on Chevy C/K 3500 Series insurance.

Chevy C/K 3500 Series insurance rates have many determining factors

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for insurance coverage. Knowing what determines base rates empowers consumers to make smart changes that may reward you with big savings.

Listed below are a partial list of the pieces used by your company to calculate rates.

  • Liability insurance protects assets – The liability section of your policy is the protection in the event that you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Discounts for married couples – Having a spouse can actually save you money on your policy. Marriage translates into being more mature than a single person and statistics show being married results in fewer claims.
  • Too many insurance coverage claims drive up costs – If you tend to file frequent claims, you can expect higher rates. Insurance companies award better rates to insureds who do not file claims often. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Women pay lower rates – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men tend to get into accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as DWI and reckless driving.
  • Teen drivers pay high rates – Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher.
  • Where do you drive? – The more you drive in a year the higher your rate. Most companies apply a rate based on how the vehicle is used. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage policy properly reflects the correct driver usage. If your policy improperly rates your C/K 3500 Series can result in significantly higher rates.
  • Low deductibles can be expensive – Your deductibles represent how much money you are willing to pay out-of-pocket before your insurance coverage pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount you have to pay, the bigger discount you will receive on C/K Series coverage.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Most are applied when you quote, but a few must be specifically requested prior to getting the savings.

  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on C/K Series coverage than less cautious drivers.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Safety Course Discount – Successfully completing a course in driver safety can save you 5% or more depending on where you live.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • 55 and Retired – Older drivers may qualify for a discount up to 10% on C/K Series coverage.
  • One Accident Forgiven – Some insurance companies permit an accident before raising your premiums if you are claim-free for a set time period.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurance companies who offer auto insurance discounts, click here to view.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Each situation is unique so this has to be addressed. For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Can I still get insurance after a DUI?
  • Am I covered when delivering products for my home-based business?
  • Is a blown tire covered by insurance?
  • Should I bundle my homeowners policy with my auto?
  • Which companies will insure high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need an umbrella policy?
  • What is covered by UM/UIM coverage?
  • How much liability insurance is required?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for ambulance fees, rehabilitation expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

This will cover damage that occurs to other people or property. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, medical expenses, funeral expenses and medical services. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, driving through your garage door, crashing into a building, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Be a smart shopper

Lower-priced 1996 Chevy C/K 3500 Series insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

We just presented many ideas to compare insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with the least-expected company. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

More resources