Fastest Guide to the Cheapest Chevy V3500 Pickup Auto Insurance Rates

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say you’re not the only one. Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a company to find the cheapest price

Consumers need to do rate comparisons every six months since insurance rates are variable and change quite frequently. Even if you think you had the lowest rates on V3500 pickup coverage a couple years back a different company probably has better rates today. Starting right now, ignore everything you know about auto insurance because it’s time to teach you the proper way to reduce your cost while increasing coverage.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to learn the most efficient way to shop for auto insurance online.

Save big with these discounts

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but some must be inquired about before they will apply. If you’re not getting every credit available, you’re paying more than you need to.

  • Homeowners Savings – Owning a home may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current policy expires. It’s a savings of about 10%.
  • Safety Course Discount – Completing a defensive driving course can save you 5% or more if you qualify.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on V3500 pickup coverage than their less cautious counterparts.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will reduce the cost of coverage.

To choose providers with discount auto insurance rates, click this link.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving a rental car?
  • Do no-fault laws apply in my state?
  • Am I covered when driving someone else’s vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Online quotes with a local insurance agent

Certain consumers would rather buy from a licensed agent and that is OK! Professional agents can help determine the best coverages and help in the event of a claim. The biggest benefit of getting online price quotes is you may find the lowest rates and still have an agent to talk to. Buying from local insurance agencies is especially important in small towns and cities.

Once you complete this form (opens in new window), your information is instantly submitted to companies who will battle to get your business. You don’t have to leave your computer because quoted prices will be sent directly to your email. It doesn’t get any easier! insurance banner

Auto insurance agents are either independent or captive

When looking for an insurance agent, there are two different agency structures that you can select. agents are categorized either captive or independent (non-captive). Both write coverage properly, but it’s important to know how they are different because it can influence the selection process.

Independent Agents

Independent insurance agents are not locked into one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When searching for an agent, it’s a good idea to get quotes from at a minimum one independent agency to have the most options to choose from.

Captive Insurance Agents

These agents write business for a single company such as AAA, Allstate and State Farm. They usually cannot place coverage with different providers so it’s a take it or leave it situation. Captive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.

For a complete listing of agencies, visit this page.

Deciding on a car insurance agent should depend on more than just a cheap price. Here are some questions to ask:

  • Do they regularly work with personal auto policies?
  • Is the agency involved in supporting local community causes?
  • Does the agency provide any after hours assistance?
  • Does the agency have a good rating with the Better Business Bureau?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they review policy coverages at every renewal?
  • How long has their agency been open?
  • How much will you save each year by using a higher deductible?

Once you have reasonable responses to these questions and an affordable coverage quote, you’ve probably found an auto insurance agent that can insure your vehicles.

Don’t be fooled by advertising claims

Consumers can’t ignore all the ads for car insurance savings from companies such as GEICO, State Farm and Progressive. All the companies make an identical promise of big savings after switching your policy.

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

cheapest Chevrolet V3500 Pickup insurance

Different companies are able to cherry pick for the type of customer that makes them money. For instance, a driver they prefer might be a mature driver, has no tickets, and has great credit. Any driver who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Potential customers who fall outside the “perfect” profile must pay higher prices which leads to business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently state the savings.

This illustrates why you need to get quotes from several different companies. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Smart shoppers get results

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. Too many times, someone dropped liability coverage limits to discover at claim time that they should have had better coverage. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Low-cost Chevy V3500 Pickup insurance is possible both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.