View 1998 Chevrolet C/K 3500 Series Insurance Quotes

Trying to find the cheapest insurance rates for your Chevrolet C/K 3500 Series? Are you sick and tired of sacrificing to make your insurance payment? You’re in the same situation as most other consumers.

Companies like Geico, Progressive and Allstate persitently shower you with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

Learn how to lower your insurance prices

Smart consumers have a good feel for the different types of things that aid in calculating the rates you pay for auto insurance. If you know what impacts premium levels, this allows you to make good choices that could help you find lower rates.

  • Discounts for multiple policies – Most insurers will award discounts to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare rates to help guarantee you have the best rates.
  • Marriage is a factor – Having a spouse can get you a discount when buying auto insurance. Having a spouse usually means you are less irresponsible and it’s statistically proven that being married results in fewer claims.
  • Do safer cars cost less to insure? – Cars with five star safety ratings cost less to insure. Highly rated vehicles reduce the chance of injuries and fewer injuries means less money paid by your insurance company which can mean better rates for you. If your Chevy earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Low physical damage deductibles cost more – Physical damage protection, also known as collision and other-than-collision, covers your vehicle from damage. Some examples of claims that would be covered are collision with another vehicle, damage from fire, and having your car stolen. Physical damage deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. The more of the claim the insured has to pay upfront, the lower your rates will be for C/K Series insurance.

More discounts mean lower-cost premiums

Auto insurance companies don’t always advertise all disounts very clearly, so we took the time to find some of the best known and also the more inconspicuous ways to save on insurance. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you can avoid the installment charge.
  • Drive Less and Save – Low mileage vehicles can qualify you for substantially lower insurancerates.
  • Distant Student – College-age children living away from home attending college and do not have a car may be insured at a cheaper rate.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Drivers Education – It’s a good idea to have your young drivers take driver’s ed class in high school.
  • Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for C/K Series insurance with select insurance companies.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like comp or med pay. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Larger insurance companies and some of their more popular discounts are:

  • Progressive may have discounts that include online quote discount, multi-policy, online signing, good student, continuous coverage, homeowner, and multi-vehicle.
  • MetLife offers premium reductions for accident-free, multi-policy, good student, good driver, defensive driver, claim-free
  • Mercury Insurance has savings for multi-car, professional/association, good student, location of vehicle, and low natural disaster claims.
  • Nationwide discounts include defensive driving, multi-policy, family plan, accident-free, and anti-theft.
  • Geico policyholders can earn discounts including daytime running lights, anti-theft, federal employee, seat belt use, and air bags.
  • AAA offers discounts for multi-car, multi-policy, good driver, good student, and pay-in-full.

It’s a good idea to ask each company or agent the best way to save money. Discounts might not apply in your area. To see providers that offer some of these discounts, click this link.

Auto insurance advertising gotchas

Auto insurance providers like State Farm, Allstate and Geico continually stream ads on television and other media. All the ads try to convey promises about saving some big amount if you just switch your policy. It sounds good, but how can they all offer drivers better rates?

Insurance companies have strict underwriting profiles for the right customer that will most likely be profitable. For example, a preferred risk may need to be over age 30, has had continuous coverage, and drives a safe vehicle. Any customer who fits that profile will most likely get cheap car insurance rates and therefore will save if they switch.

Potential customers who don’t meet those criteria will see higher premiums and this results in the customer buying from a different company. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save money. This is how insurance companies can confidently make those claims. Each company has different criteria, so drivers should compare free insurance quotes often. It’s just too difficult to predict which company will fit you best based on your risk profile.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • What is the difference between comprehensive and collision coverage?
  • How many claims can I have before being cancelled?
  • What can I do if my company won’t pay a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • What is covered by UM/UIM coverage?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, damage from getting keyed and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills like funeral costs, doctor visits, EMT expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as repair costs for stationary objects, attorney fees, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants 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. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision insurance covers damage to your C/K 3500 Series caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, rolling your car, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Have money to burn

When shopping online for insurance, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced full coverage only to regret at claim time they didn’t have enough coverage. The goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Affordable 1998 Chevy C/K 3500 Series insurance is definitely available online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer online rate quotes and these smaller providers provide coverage only through local independent agents.

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