1999 Chevrolet C/K 3500 Series Insurance Rates – 6 Policy Discounts

Finding the best price on auto insurance can seem like an uphill battle if you’ve never compared quoting online. But relax because using the internet to shop for auto insurance is actually quite easy.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. The purpose of this post is to familiarize you with the most effective way to quote insurance. Although drivers must know how insurance companies price online insurance because it can help you find the best coverage.

Don’t pay full price with these six discounts

Car insurance companies don’t necessarily list every discount very well, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Senior Discount – Older drivers may receive better car insurance rates on C/K Series coverage.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Distant Student – Kids in college who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.

Keep in mind that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous.

Car insurance companies that possibly offer some of the above discounts include:

Double check with each company how you can save money. Savings may not be available everywhere.

Don’t be fooled by advertising claims

Companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the ads make the same claim that you can save if you change to them. How does each company make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the driver that earns them a profit. For instance, a desirable insured could possibly be a mature driver, owns a home, and chooses high deductibles. Any new insured that hits that “sweet spot” gets the lowest rates and as a result will probably cut their rates substantially.

Drivers who don’t meet these standards must pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much money. That’s the way companies can advertise the way they do. This illustrates why it is so important to get quotes from several different companies. It’s just too difficult to predict which insurance coverage company will give you the biggest savings on Chevy C/K 3500 Series insurance.

Your personal situation dictates your coverage

When choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you may require specific advice.

  • Why do I need rental car insurance?
  • I have a DUI can I still get coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Will my insurance pay for OEM parts?
  • If my 1999 Chevy C/K 3500 Series is totaled, can I afford another vehicle?
  • How can I get high-risk coverage after a DUI?
  • When would I need additional glass coverage?
  • How many claims can I have before being cancelled?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance policy specifics

Having a good grasp of your car insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills like X-ray expenses, EMT expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – This covers damage to your C/K 3500 Series caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, crashing into a ditch, sideswiping another vehicle, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage can cover damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, court costs, pain and suffering, bail bonds and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy C/K 3500 Series.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Better coverage you can count on

People switch companies for a variety of reasons including extreme rates for teen drivers, being labeled a high risk driver, unfair underwriting practices or policy non-renewal. It doesn’t matter what your reason, switching auto insurance companies can be easy and end up saving you some money.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Discount 1999 Chevy C/K 3500 Series insurance can be found online as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer online price quotes and these smaller companies work with independent agents.

For more information, feel free to browse the resources below: