1. Vehicles
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  3. R/V 3500 Series
  4. 1991 Model Year

1991 GMC R/V 3500 Series Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 18, 2021

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Looking for lower auto insurance rates for your Chevrolet R/V 3500 Series? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, many consumers feel financially strained by their auto insurance policy. Because you have many options when it comes to auto insurance, it’s difficult to pick the lowest cost company.

It is always a good idea to compare rates quite often because prices change quite often. Just because you found the best price for R/V Series coverage a few years ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about auto insurance on the web, but we’re going to give you the best ways to put money back in your pocket.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will be able to save some money using this strategy. Drivers just need to know the proper methods to shop their coverage around on the web.

Compare Insurance Today

There are multiple methods to compare 1991 Chevy R/V 3500 Series insurance prices but one way is less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance agencies in your area, or you could save time and use online quoting for quick rates.

Most of the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and every company then returns a price quote based on that data. This system prevents you from having to do form submissions to every company.

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

The only downside to pricing coverage this way is you are unable to specify which insurance companies to get pricing from. So if you want to choose specific insurance companies for rate comparison, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverage information for each comparison quote. If you compare mixed coverages you will not be able to make a fair comparison for your Chevy R/V 3500 Series.

Discounts on 1991 Chevy R/V 3500 Series insurance

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so we researched some of the more common and the more hidden discounts you could be receiving. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for R/V Series coverage than drivers with accidents.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Memberships – Participating in a qualifying organization could qualify you for a break on auto insurance for R/V Series coverage.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.

It’s important to note that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Car insurance companies that may have these benefits include:

  • State Farm
  • Progressive
  • Travelers
  • American Family
  • Liberty Mutual

Check with each insurance company which discounts they offer. Discounts might not be offered in your state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might point out if your insurance needs might need professional guidance.

  • What happens if I owe more than my 1991 Chevy R/V 3500 Series is worth?
  • Do I benefit by insuring my home with the same company?
  • Do I have coverage for damage caused while driving under the influence?
  • How can I force my company to pay a claim?
  • Why do I need rental car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I drive in a foreign country?
  • Is pleasure use cheaper than using my 1991 Chevy R/V 3500 Series to commute?
  • Is my state a no-fault state?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Coverages available on your insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, vandalism and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage pays for damage to your R/V 3500 Series caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, crashing into a ditch, rolling your car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical services, repair costs for stationary objects, medical expenses, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like EMT expenses, pain medications, X-ray expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1991 Chevy R/V 3500 Series.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

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