1996 Chevrolet C/K 3500 Series Car Insurance Rates

Looking for better auto insurance rates? Shoppers have lots of choices when shopping for affordable Chevy C/K 3500 Series insurance. They can either waste time struggling with agents to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the best way to get price quotes for your Chevy and locate the best price possible.

You should take the time to do rate comparisons before your next renewal since insurance rates are variable and change quite frequently. If you had the best rate on C/K Series insurance last year a different company probably has better prices today. There are lots of tips to save on auto insurance online but in this article, you’re going to get some solid techniques on how to lower your auto insurance premiums.

Auto insurance rates and discounts

Car insurance companies don’t always publicize all available discounts very clearly, so the following list contains some of the more common as well as the least known credits available to bring down your rates. If you’re not getting every credit you deserve, you could be saving more on your auto insurance.

  • Good Grades Discount – Excelling in school may save as much as 25% on a insurance coverage quote. The good student discount can last up until you turn 25.
  • Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the medical payments premium.
  • Discounts for Safe Drivers – Accident-free drivers can save up to 40% or more on their insurance coverage quote on C/K Series insurance than drivers with accident claims.
  • Student Driver Training – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on your next auto insurance statement.
  • Active Service Discounts – Having a deployed family member could be rewarded with lower auto insurance rates.
  • Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

To choose insurance companies who offer discounts, follow this link.

Free car insurance price quotes

Most of the larger companies like State Farm and Allstate provide coverage prices on the web. This process is very simple as you just type in the coverages you want into a form. Once entered, their system will order information on your driving record and credit history and generates pricing information based on many factors.

Online price quotes streamlines rate comparisons, but having to visit different websites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes if you want to get better car insurance pricing.

The quickest way to locate the lowest prices uses one form that obtains quotes from multiple companies. It saves time, requires much less work on your part, and makes quoting online much simpler. As soon as you send your information, it is quoted and you can select any or none of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase the new policy. The whole process only takes a few minutes and may save quite a bit of money.

To compare rates using this form now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend that you enter the coverages exactly as they are listed on your policy. This makes sure you are getting a rate comparison for similar coverage.

You can change your insurance premiums

Consumers need to have an understanding of some of the elements that aid in calculating the rates you pay for insurance. When you know what positively or negatively determines premiums, this helps enable you to make changes that can earn you lower rates. Many factors are used in the calculation when pricing auto insurance. Some are pretty understandable like your driving record, but some are less obvious like your vehicle usage or how safe your car is.

  • Teenagers are high risk – Inexperience drivers are statistically proven to be easily distracted when at the wheel of a vehicle so they pay higher insurance rates. Older drivers are shown to be more cautious, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Premiums increase with driving tickets – Even one speeding ticket or other violation may cause rates to rise forty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers unfortunate enough to have careless violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to maintain a SR-22 with their state DMV in order to legally drive a vehicle.
  • Save money with good credit – An insured’s credit history is a large factor in your rate calculation. Consumers who have excellent credit scores tend to be better risks to insure than drivers with lower credit scores. If your credit history leaves room for improvement, you may save money insuring your 1996 Chevrolet C/K 3500 Series by spending a little time repairing your credit.
  • Drive less and pay lower prices – The higher the miles on your Chevy annually the higher your rates will be. The majority of insurers apply a rate based upon how much you drive. Autos that sit idle most of the time get more affordable rates compared to those used for work or business. A policy that improperly rates your C/K 3500 Series can cost quite a bit. Double check that your policy reflects the correct usage, because improper ratings can cost you money.
  • See if your company offers a multi-policy discount – Most insurance companies apply a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, you still need to check prices from other companies to ensure the best deal. It’s possible to still save even more even if you insure with multiple companies

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs could use an agent’s help.

  • Can my teen driver be rated on a liability-only vehicle?
  • What is no-fault insurance?
  • When should I buy a commercial auto policy?
  • Do I have coverage when making deliveries for my home business?
  • Do I really need UM/UIM coverage?
  • What exactly is covered by my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Insurance coverage specifics

Having a good grasp of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Liability coverage

Liability insurance protects you from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical expenses, repair bills for other people’s vehicles, funeral expenses and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for funeral costs, surgery, chiropractic care, doctor visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, hitting a bird, rock chips in glass and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your C/K 3500 Series caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy C/K 3500 Series.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Shop around and save

Budget-conscious 1996 Chevy C/K 3500 Series insurance is attainable on the web and from local agencies, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance companies may not have rates over the internet and usually these regional insurance providers only sell coverage through independent agencies.

We just covered some good ideas how to compare 1996 Chevy C/K 3500 Series insurance premium rates online. The key thing to remember is the more you quote insurance coverage, the higher the chance of saving money. You may even find the lowest premium rates come from a small mutual company.

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

Additional insurance information can be read on the following sites: