1997 Chevrolet C/K 3500 Series Car Insurance Rates – 9 Tricks for Best Quotes

Trying to find better insurance prices for a new or used Chevy C/K 3500 Series can turn out to be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to find auto insurance online and you need to know the absolute fastest way to get price quotes for a new or used Chevy and locate the cheapest rates from both online companies and local agents.

It’s a good idea to compare rates at least once a year because prices change regularly. If you had the best rate on C/K Series coverage a few years ago you can probably find a better premium rate now. You can find a lot of information about auto insurance online but you can learn some great ideas on how to reduce your auto insurance bill.

If you are insured now or are just looking to switch companies, you can use this information to cut your premiums while maintaining coverages. Finding the lowest cost protection can be fairly easy. Drivers just need to learn the proper methods to shop on the web.

Don’t miss these nine discounts

Companies that sell car insurance don’t list all possible discounts in an easy-to-find place, so the below list has both the well known and the more hidden credits available to lower your premiums when you buy insurance online.

  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • Clubs and Organizations – Being a member of qualifying clubs or civic groups is a good way to get lower rates on your policy.
  • Multiple Policy Discount – When you have multiple policies and place coverage with the same company you will save 10% to 20% off each policy.
  • Claim-Free Discount – Drivers with accident-free driving histories can save substantially compared to bad drivers.
  • Data Collection Discounts – Insureds who allow driving data submission to track where and when they drive by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they have good driving habits.
  • Defensive Driver Discount – Passing a defensive driving class could cut 5% off your bill and easily recoup the cost of the course.
  • Save with a New Car – Insuring a vehicle that is new may earn a small discount since newer models are generally safer.
  • Paper-free Discount – Some of the larger companies will give you a small discount get insurance on the web.
  • Save over 55 – Seniors may be able to get a discount up to 10% on C/K Series coverage.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, you won’t be that lucky.

Companies and some of the discounts can be read below.

  • State Farm discounts include multiple autos, good student, Drive Safe & Save, good driver, accident-free, student away at school, and multiple policy.
  • Farmers Insurance has savings for homeowner, distant student, alternative fuel, mature driver, and switch companies.
  • Geico offers discounts including anti-lock brakes, emergency military deployment, anti-theft, five-year accident-free, multi-policy, and driver training.
  • American Family has discounts for TimeAway discount, accident-free, early bird, good student, Steer into Savings, mySafetyValet, and bundled insurance.
  • Nationwide policyholders can earn discounts including anti-theft, Farm Bureau membership, easy pay, accident-free, and business or organization.
  • Progressive may offer discounts for homeowner, online signing, good student, continuous coverage, and multi-vehicle.

Check with every prospective company how you can save money. Discounts may not be offered in your area. To find insurers that offer the discounts shown above, click here to view.

Special considerations

When buying the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions can help discover if your situation will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Is there coverage for injuries to my pets?
  • Does my personal policy cover me when driving out-of-state?
  • Do all my vehicles need collision coverage?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Don’t believe everything you hear

Drivers get pounded daily by advertisements that claim the cheapest premium rates by 21st Century, Allstate and State Farm. They all seem to advertise claims that people will save if you just switch to their company.

Is it even possible that every company can offer drivers better rates? It’s all in the wording.

All companies quote their cheapest rates for the type of insured that earns them the most money. A good example of a profitable customer could possibly be over the age of 40, has few claims, and insures a new vehicle. A customer who meets those qualifications gets the lowest car insurance rates and therefore will save a lot of money.

Drivers who cannot meet this ideal profile will probably have to pay a more expensive rate which results in the customer not purchasing. The trick is to say “people who switch” not “all people who quote” can save as much as they claim. That’s why companies can make those statements. Each company has different criteria, so drivers should compare as many free insurance quotes as you can. It is just not possible to predict which auto insurance company will fit your personal profile best.

Car insurance coverage basics

Understanding the coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like dental work, chiropractic care and surgery. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle 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

Uninsured/Underinsured Motorist coverage

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

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

Comprehensive coverage

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

Comprehensive insurance covers things like damage from flooding, damage from a tornado or hurricane, hitting a bird, fire damage and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverages

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like legal defense fees, structural damage and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

What is YOUR best insurance company?

Some auto insurance companies may not offer rates over the internet and these small, regional companies only sell coverage through local independent agents. Budget-conscious 1997 Chevy C/K 3500 Series insurance is available on the web and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates.

Consumers switch companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, delays in responding to claim requests or being labeled a high risk driver. No matter why you want to switch, switching companies can be less work than you think.

In this article, we covered many ideas to get a better price on 1997 Chevy C/K 3500 Series insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your prices. You may be surprised to find that the best premium rates are with some of the smallest insurance companies.

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