Cheap 1997 Chevrolet C/K 3500 Series Insurance Quotes

Looking for lower insurance rates? Shoppers have lots of choices when shopping for affordable Chevy C/K 3500 Series insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to get rate quotes. There are both good and bad ways to shop for insurance and we’ll show you the proper way to compare rates for a Chevy and locate the lowest price either online or from local insurance agents.

Save on 1997 Chevy C/K 3500 Series insurance

Companies don’t list all available discounts in a way that’s easy to find, so here is a list some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • 55 and Retired – Older drivers may be able to get a discount up to 10% for C/K Series insurance.
  • Homeowners Savings – Owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings on your policy for C/K Series insurance.
  • Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for C/K Series insurance than their less cautious counterparts.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for C/K Series insurance with certain companies.

Drivers should understand that most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, insurance coverage companies aren’t that generous.

For a list of providers with discount insurance coverage rates, click here.

Tailor your coverage to you

When buying the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions could help you determine if you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company won’t pay a claim?
  • Is business property covered if stolen from my car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I don’t drive much so do I pay less?
  • Should I have combined single limit or split liability limits?
  • How much liability coverage do I need in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Misconceptions in insurance coverage advertisements

Consumers can’t ignore all the ads for cheaper car insurance from companies such as State Farm, Allstate and Geico. They all make an identical promise that you can save after switching your policy.

But how can every company claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the type of customer that is profitable for them. An example of a profitable customer might be between the ages of 30 and 50, owns a home, and has excellent credit. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don’t qualify for the “perfect” profile will have to pay a higher premium and this can result in business going elsewhere. The ads say “customers that switch” not “everybody who quotes” save that much. That’s the way companies can advertise the way they do. Because of the profiling, you absolutely need to get as many quotes as possible. It’s not possible to predict which insurance companies will give you the biggest savings on Chevy C/K 3500 Series insurance.

Coverages available on your insurance policy

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy C/K 3500 Series.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills such as ambulance fees, dental work, nursing services, surgery and hospital visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

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 limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as attorney fees, structural damage, medical services and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Cheaper insurance is a realistic goal

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits to discover at claim time that it was a big mistake. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Discount 1997 Chevy C/K 3500 Series insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

People leave their current company for a number of reasons such as delays in responding to claim requests, delays in paying claims, poor customer service or even denial of a claim. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

Much more information about car insurance is available at the links below