Cheapest 1997 Chevrolet C/K 3500 Series Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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Trying to find low-cost insurance for a new or used Chevy C/K 3500 Series can normally be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to compare rates for your Chevy and locate the lowest possible price from both online companies and local agents.

You should make it a habit to compare prices once or twice a year since rates are variable and change quite frequently. Just because you found the best price for C/K Series coverage last year you may be paying too much now. Block out anything you think you know about car insurance because you’re about to find out how to use the internet to properly buy coverages while reducing your premium.

Chevy C/K 3500 Series rates are complex

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • Better credit means lower rates – Your credit score is a big factor in calculating your car insurance rates. So if your credit rating is lower than you’d like, you could be paying less to insure your 1997 Chevrolet C/K 3500 Series by improving your credit score. People with good credit tend to be more responsible as compared to drivers with poor credit.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance companies generally give better rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Save money with special equipment – Driving a car with a theft deterrent system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Jobs such as real estate brokers, business owners and dentists are shown to have the highest average rates in part from job stress and lengthy work days. Other jobs such as pilots, historians and homemakers pay the least for C/K Series coverage.
  • A clean driving record saves money – Even one ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums than their less careful counterparts. If you have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.

Free Car Insurance Quotes

Finding a better price on car insurance is a fairly straight forward process. All that’s required is to invest a few minutes to get quotes online from several insurance companies. This can be accomplished in several different ways.

  • One of the best ways to get quotes for comparison is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating boring form submissions for each company you want a rate for. One form will get you rate comparisons direct from many companies. This is by far the quickest method.
  • A different way to get quotes online is to take the time to go to the website for each individual company to complete a price quote. For examples sake, we’ll pretend you want rates from Allstate, Esurance and State Farm. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverage limits and deductibles for every company. If the quotes have differing limits it’s not possible to make an equal comparison.

Ads can be misleading

Consumers get pounded daily by advertisements for car insurance savings by companies like Allstate, GEICO and Progressive. All the ads say the same thing that you can save if you change to them.

How do they all claim to save you money? It’s all in the numbers.

Different companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a preferred risk could possibly be between the ages of 40 and 55, a clean driving record, and has a short commute. A driver that hits that “sweet spot” gets the lowest rates and as a result will probably save when they switch companies.

Drivers who fall outside these standards will be charged a higher premium which usually ends up with the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can state the savings. That is why it is so important to compare many company’s rates. You cannot predict which insurance coverage company will give you the biggest savings on Chevy C/K 3500 Series insurance.

How much can you save with discounts?

Car insurance companies don’t necessarily list every discount very well, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for C/K Series coverage than drivers with accidents.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Accident Free – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.

Consumers should know that most of the big mark downs will not be given the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of providers offering insurance coverage discounts, follow this link.

How much car insurance do I need?

When buying coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if your situation might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount?
  • Am I covered when using my vehicle for business?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need roadside assistance coverage?
  • Why am I required to buy high-risk coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, vandalism and theft. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like ambulance fees, EMT expenses, hospital visits, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay


Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like medical expenses, structural damage, repair bills for other people’s vehicles, funeral expenses and court costs. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your C/K 3500 Series caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy C/K 3500 Series.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Quote more. Save more.

Drivers switch companies for a number of reasons such as unfair underwriting practices, poor customer service, an unsatisfactory settlement offer and denial of a claim. It doesn’t matter what your reason, finding a new auto insurance company can be easy and end up saving you some money.

Cost effective 1997 Chevy C/K 3500 Series insurance is available from both online companies and with local insurance agents, so you should compare both to have the best selection. Some insurance providers do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Throughout this article, we presented a lot of information how to save on insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a smaller regional carrier.

More information can be found below:

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