1998 Chevrolet C/K 3500 Series Car Insurance Quotes – 9 Discounts for Best Rates

Buying low-cost insurance online may be challenging for consumers new to online price comaprisons. With a ridiculous number of companies in the marketplace, how can consumers possibly compare the different rates to find the best price?

It’s a good habit to price shop coverage quite often because insurance rates are rarely the same from one policy term to another. Just because you had the best price on C/K Series insurance a few years ago other companies may now be cheaper. Ignore everything you know about insurance because we’re going to demonstrate how to use online quotes to find better coverage at a better price.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Buying the best car insurance is easy if you know what you’re doing. But car owners can benefit by having an understanding of the methods companies use to price online insurance.

How to Compare Auto Insurance Costs

Shopping for lower auto insurance rates can be a daunting task if you aren’t aware of the most efficient way. You could spend the better part of a day talking about coverages with agents in your area, or you can utilize the web to accomplish the same thing much quicker.

Most car insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each company returns a competitive quote based on that data. This eliminates the need for quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to using this type of form is that consumers can’t choose which insurance companies you will receive quotes from. So if you want to choose from a list of companies to request quotes from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare the exact same coverages and limits on every quote. If you use different liability limits then you won’t be able to determine which rate is truly the best. Having just a slight variation in limits may result in a large different in cost. It’s important to know that comparing more company’s prices provides better odds of finding a better price.

Do you qualify for a discount?

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked for before they will apply.

  • 55 and Retired – If you’re over the age of 55, you may receive reduced rates on C/K Series insurance.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on C/K Series insurance with select insurance companies.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

It’s important to note that many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. But all discounts will cut the cost of coverage.

To see a list of insurers who offer auto insurance discounts, follow this link.

What coverages do I need?

When it comes to buying coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • What is medical payments coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need roadside assistance coverage?
  • What happens if I owe more than my 1998 Chevy C/K 3500 Series is worth?
  • When would I need rental car insurance?
  • Will filing a claim cost me more?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Specifics of your car insurance policy

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy C/K 3500 Series.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses for X-ray expenses, rehabilitation expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverages – Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, funeral expenses, attorney fees, pain and suffering and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Buy online or local, you save

We covered many ways to shop for 1998 Chevy C/K 3500 Series insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance is with the smaller companies.

When shopping online for insurance, don’t be tempted to buy poor coverage just to save money. In many instances, someone sacrificed collision coverage only to find out they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Drivers switch companies for many reasons like high prices, policy cancellation, delays in paying claims or even lack of trust in their agent. No matter why you want to switch, finding a new insurance company can be easy and end up saving you some money.

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