1995 Chevrolet C/K 3500 Series Insurance Cost – 5 Ideas for Best Prices

Looking for the cheapest insurance rates for your Chevrolet C/K 3500 Series? Are you tired of sacrificing other expenses to pay insurance each month? You have the same problem as many other vehicle owners.

Companies like Progressive, State Farm and Geico persitently shower you with ad campaigns and it is difficult to ignore the promise of big savings and find the best price available.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding the best rates is quite easy. Although vehicle owners do need to understand how the larger insurance companies sell insurance online and use this information to your advantage.

These five discounts can lower insurance coverage rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many consumers don’t even know exist. Most are applied when you quote, but some must be asked for before they will apply.

  • Multi-car Discount – Insuring all your vehicles with the same company can reduce the rates for all insured vehicles.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small discount on rates on C/K Series insurance.
  • Payment Method – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
  • Bundle and Save – If you have multiple policies and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
  • Air Bags and Passive Restraints – Cars that have air bags could see savings up to 30%.

Discounts lower rates, but many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. Even though it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Large insurance coverage companies and a partial list of their discounts are included below.

  • State Farm discounts include student away at school, good driver, good student, Steer Clear safe driver discount, and multiple policy.
  • Nationwide offers discounts including good student, accident-free, family plan, defensive driving, multi-policy, and anti-theft.
  • Geico may include discounts for seat belt use, good student, daytime running lights, membership and employees, emergency military deployment, air bags, and driver training.
  • AAA has savings for pay-in-full, AAA membership discount, anti-theft, good student, multi-policy, and multi-car.
  • 21st Century policyholders can earn discounts including early bird, 55 and older, driver training, theft prevention, automatic seat belts, defensive driver, and good student.
  • The Hartford may offer discounts for air bag, defensive driver, anti-theft, bundle, vehicle fuel type, and driver training.

It’s a good idea to ask every insurance company which discounts you qualify for. Savings might not be available to policyholders in your area. To see a list of companies with the best discounts, follow this link.

When do I need an agent’s advice?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • Is my 1995 Chevy C/K 3500 Series covered for flood damage?
  • Should I sign the liability waiver when renting a car?
  • What is the ISO rating for a 1995 Chevy C/K 3500 Series?
  • Where can I get insurance after a DUI in my state?
  • What exactly is covered by my policy?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Does having multiple vehicles earn me a discount?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to 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.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects, damage from getting keyed, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage can cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, structural damage, medical expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision insurance

Collision coverage pays for damage to your C/K 3500 Series resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, rehabilitation expenses, pain medications, doctor visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There are too many instances where an insured cut liability coverage limits only to discover later that it was a big error on their part. Your goal is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

We just showed you some good ideas how to compare 1995 Chevy C/K 3500 Series insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting the cheapest insurance. Consumers may even find the best price on auto insurance is with a smaller regional carrier. These companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

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