View 1990 Chevrolet C/K 3500 Series Insurance Quotes

Looking for better insurance coverage rates for your Chevrolet C/K 3500 Series? Scraping up a payment for expensive Chevrolet C/K 3500 Series insurance can deplete your bank account and put a big crunch on your finances. Numerous insurers battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the absolute cheapest price

It’s a good idea to take a look at other company’s rates on a regular basis since insurance prices are rarely the same from one policy term to another. Just because you had the best deal for C/K Series coverage two years ago other companies may now be cheaper. There is lot of inaccurate information about insurance coverage on the internet, but you can learn some tested techniques to lower your insurance coverage rates.

Free insurance quotes

There are several ways to compare insurance prices but one way is less time-consuming than others. You could waste time talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Many companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company can provide price quotes based on that data. This saves time by eliminating form submissions for every insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to using this type of form is that consumers can’t choose which carriers you want to price. So if you prefer to choose individual companies for rate comparison, we have a listing of insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just ensure you’re using identical coverages and limits on every quote. If you are comparing differing limits it will be next to impossible to determine which rate is truly the best.

Insurance discounts are available to slash your rates

Some insurance providers don’t always advertise all available discounts in an easy-to-find place, so we took the time to find a few of the more well known as well as the least known savings tricks you should be using when you buy auto insurance online.

  • Defensive Driver Discount – Completing a course teaching defensive driver skills could cut 5% off your bill and make you a better driver.
  • Discount for New Cars – Buying a new car model can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Pay Early and Save – By making one initial payment instead of paying each month you could save up to 5%.
  • Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.

Don’t be surprised that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

Some of the insurance companies that may offer some of the above discounts include:

Before buying, ask every prospective company the best way to save money. All car insurance discounts may not be available in your state.

Smart consumers can cut insurance costs

A large part of saving on car insurance is knowing some of the things that play a part in calculating your premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could help you find cheaper rates. Many different elements are part of the equation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but other factors are more transparent such as your credit history or your vehicle rating.

The following are a partial list of the pieces car insurance companies consider when setting your rate level.

  • Cars with good safety ratings lower prices – Safer cars get lower rates. These vehicles reduce occupant injuries and reduced instances of injuries means less claims paid which can mean better rates for you.
  • Bundling policies can get discounts – Most insurers provide discounts to customers that have more than one policy such as combining an auto and homeowners policy. The discount can add up to 10 percent or more. Even with this discount applied, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
  • Good drivers pay lower rates – Good drivers tend to pay less for car insurance than bad drivers. Just one citation can increase the cost of insurance by as much as thirty percent. Drivers who have gotten dangerous citations like reckless driving, hit and run or driving under the influence may find that they have to to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • Pay more if you have a long commute – Choosing to live in a rural area has definite advantages when buying car insurance. Less people translates into fewer accidents. Urban drivers tend to have more road rage incidents and more severe claims. More time commuting means a statistically higher chance of an accident.
  • Car insurance liability coverage limits – Your car insurance policy’s liability coverage is the coverage that protects you if ever a jury decides you are liable for damages caused by your negligence. This coverage provides legal defense coverage which can cost a lot. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Gaps in coverage mean higher prices – Allowing your car insurance policy to lapse can be a sure-fire way to pay more for car insurance. And not only will your rates increase, not being able to provide proof of insurance can result in a steep fine or even jail time.
  • Optional features that cut rates – Buying a car with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft and help lower rates.

Everyone needs different insurance coverage coverages

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine if your situation will benefit from professional help.

  • Does car insurance cover theft of personal property?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Who is covered when they drive my 1990 Chevy C/K 3500 Series?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How can I get my company to pay me more for my totalled car?
  • Why am I required to buy high-risk coverage?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Don’t listen to company ads

Consumers can’t ignore all the ads that claim the cheapest rates from the likes of State Farm, Geico and Progressive. All the companies try to convey promises that drivers can save some big amount just by moving to them.

That’s great but how can every company sell you cheaper insurance coverage? It’s all in the numbers.

Auto insurance companies can use profiling for a prospective insured that makes them money. An example of a profitable insured should be over the age of 50, has no driving citations, and insures a new vehicle. A propective insured that matches those criteria will probably get cheap car insurance rates and will also cut their rates if they switch.

Insureds who do not meet these stringent criteria may receive more expensive rates and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can state the savings.

That is why drivers should do a quote comparison often. You cannot predict which insurance companies will provide you with the cheapest premium rates.

Parts of your insurance policy

Knowing the specifics of insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like chiropractic care, rehabilitation expenses, EMT expenses and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Collision insurance

This coverage pays for damage to your C/K 3500 Series resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to other people or property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, bail bonds and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Money doesn’t grow on trees

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Cheap 1990 Chevy C/K 3500 Series insurance can be found both online as well as from insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some insurance providers may not offer online quoting and these small insurance companies sell through local independent agents.

Additional detailed information can be found by following these links: