1993 Chevrolet C/K 3500 Series Car Insurance Cost – 5 Ways to Save

Looking for better insurance coverage rates? Shoppers have lots of choices when shopping for the best price on Chevy C/K 3500 Series insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to compare rates.

There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the best way to get price quotes on a Chevy and locate the lowest possible price.

You may qualify for discounts

Some insurance providers don’t necessarily list every policy discount very clearly, so we break down a few of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online.

• Driver’s Education for Students – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.
• Low Mileage Discounts – Low annual miles can earn lower car insurancerates on the low mileage vehicles.
• Discount for Multiple Policies – When you combine your auto and home insurance with the same insurance company you could save at least 10% off all policies.
• Discount for Swiching Early – Some larger companies give discounts for buying a new policy prior to your current policy expiring. Ten percent is about the average savings.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents so you can save 10 percent or more.

Consumers should know that many deductions do not apply the the whole policy. Most cut individual premiums such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.

A few companies that have these benefits include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

Before purchasing a policy, check with each company or agent how many discounts you can get. Savings might not apply in your area. To view companies that can offer you the previously mentioned discounts, click here.

There’s no such thing as the perfect insurance policy

When choosing coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.

For example, these questions can help discover whether you would benefit from an agent’s advice.

• Do I need an umbrella policy?
• What is the ISO rating for a 1993 Chevy C/K 3500 Series?
• Do I need rental car coverage?
• Does my liability insurance cover pulling a trailer or camper?
• How much liability coverage do I need in my state?
• Am I covered when driving in Canada or Mexico?
• Do I have coverage if my license is suspended?
• Does car insurance cover theft of personal property?
• Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, rock chips in glass, theft and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like dental work, surgery, doctor visits and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability – Liability insurance will cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, medical expenses, attorney fees and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This covers damage to your C/K 3500 Series caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, backing into a parked car, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

A penny saved is a penny earned

People change insurance companies for a variety of reasons including being labeled a high risk driver, policy non-renewal, delays in paying claims or extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

As you quote insurance, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best cost and still be able to protect your assets.

You just read some good ideas how to get a better price on 1993 Chevy C/K 3500 Series insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the best price on car insurance is with some of the smallest insurance companies.

More tips and info about car insurance is located by following these links:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Shopping for a Safe Car (Insurance Information Insitute)