1993 Chevrolet C/K 3500 Series Car Insurance Quotes – 9 Ways to Save

I can’t think of a single person who cherishes buying auto insurance, especially when the price is too high. Since consumers have many auto insurance companies to choose from, it’s difficult to find the cheapest insurer.

It’s smart to do rate comparisons on a regular basis because prices change quite often. Just because you had the best price for C/K Series coverage a year ago other companies may now be cheaper. Starting right now, forget all the misinformation about auto insurance because you’re about to learn the best methods to remove unneeded coverages and save money.

Pricing more affordable insurance coverage is not that difficult. If you have a policy now or are just looking to switch companies, you can use this information to find better prices and still get good coverage. Vehicle owners just need to know how to compare company rates online.

Quick Auto Insurance Quotes

Finding lower auto insurance rates doesn’t have to be difficult. The only thing you need to do is spend a few minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  1. The easiest and least time consuming way to find low rates is a comparison rater form click here to open form in new window. This form keeps you from doing boring form submissions for each company you want a rate for. Completing one form will return price quotes from several companies.
  2. Another way to analyze rates is spending the time to visit the website for every company you want to comare to complete a price quote. For instance, we’ll assume you want rates from Auto-Owners, Allstate and Progressive. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples quote information for every quote you compare. If you are comparing different liability limits it’s impossible to determine the best price for your Chevy C/K 3500 Series.

More discounts equal less premium

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Most are applied at the time of purchase, but some may not be applied and must be inquired about before you will receive the discount. If you don’t get every credit available, you are throwing money away.

  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Life Insurance Discount – Some companies give a break if you buy life insurance.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
  • Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for C/K Series coverage than drivers with accident claims.
  • Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will help reduce your premiums.

Companies that may offer these money-saving discounts are:

Check with all companies you are considering how you can save money. All car insurance discounts may not apply in every state.

It’s not one size fits all

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • How can I force my company to pay a claim?
  • Am I covered if I break a side mirror?
  • When would I need additional glass coverage?
  • What is the ISO rating for a 1993 Chevy C/K 3500 Series?
  • Does having multiple vehicles earn me a discount?
  • Where can I get insurance after a DUI in my state?
  • Who is covered when they drive my 1993 Chevy C/K 3500 Series?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as rehabilitation expenses, funeral costs, doctor visits, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, sideswiping another vehicle, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a tree branch falling on your vehicle, theft and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability – Liability coverage can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, pain and suffering and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy C/K 3500 Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.

Be a smart shopper

Throughout this article, we presented quite a bit of information on how to shop for 1993 Chevy C/K 3500 Series insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with a smaller regional carrier. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many situations where someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

The cheapest insurance can be found online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional auto insurance information is available on the following sites: