1992 Chevrolet C/K 3500 Series Insurance Quotes – 9 Savings Tips

Expensive insurance can dwindle your personal savings and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances. Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you are insured now or are looking for a new policy, you will benefit by learning to find the best rates while maximizing coverage. Finding affordable coverage is quite easy. Drivers just need to understand the most efficient way to compare prices online.

Compare Quotes for Insurance Coverage

Most companies like State Farm, GEICO and Progressive quote price estimates on their websites. This process is quite simple as you simply enter your coverage preferences into the quote form. When complete, the company’s rating system automatically retrieves your driving and credit reports and returns pricing information based on these and other factors. Online quotes streamlines rate comparisons, but having to visit several different sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you are searching for the lowest price.

Isn’t there an easier way to compare rates?

A more efficient way to lower your insurance coverage bill makes use of a single form to return rates from more than one company. This type of form saves time, requires much less work on your part, and makes online shopping much more enjoyable. As soon as the form is sent, your coverage is rated and you are able to buy any of the pricing results.

If the quotes result in lower rates, you can click and sign and buy the new coverage. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, click here and fill out the form. If you have your current policy handy, we recommend you complete the form with the coverage information identical to your current policy. This guarantees you are getting a price comparison based on identical coverages.

Misconceptions in car insurance advertisements

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of State Farm, GEICO and Progressive. They all seem to make an identical promise that you’ll save big if you change your coverage to them.

But how can every company claim to save you money?

Different companies have a preferred profile for the type of customer that makes them money. An example of a desirable insured could possibly be between the ages of 40 and 55, owns a home, and has great credit. A driver who matches those parameters will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t meet the requirements will be quoted higher prices which usually ends up with business not being written. The ads say “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can advertise the way they do.

This emphasizes why you absolutely need to compare many company’s rates. It’s not possible to predict which car insurance company will provide you with the cheapest Chevy C/K 3500 Series insurance rates.

Discounts on Chevy C/K 3500 Series insurance

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be specially asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on C/K Series coverage with certain companies.
  • Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online – Certain companies may give you up to $50 simply for signing over the internet.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on C/K Series coverage than drivers with accident claims.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.

Car insurance companies that possibly offer these benefits include:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not apply in your state.

Tailor your coverage to you

When buying the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine whether you could use an agent’s help.

  • Am I covered when pulling a rental trailer?
  • Am I covered if I hit my neighbor’s mailbox?
  • How can I get high-risk coverage after a DUI?
  • Does car insurance cover theft of personal property?
  • What are the financial responsibility laws in my state?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Learn about car insurance coverages for a Chevy C/K 3500 Series

Having a good grasp of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for funeral costs, doctor visits, hospital visits, ambulance fees and nursing services. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, fire damage, hitting a bird and damage from flooding. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability coverage can cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage, bail bonds and loss of income. How much coverage you buy is your choice, but consider buying higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your C/K 3500 Series caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

And the best car insurance company is…

Low-cost 1992 Chevy C/K 3500 Series insurance is possible from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.

In this article, we presented a lot of techniques to compare insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best price on auto insurance is with a small mutual company. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Even more information is available at these sites: