Insurance Costs are Lower for GMC C1500 Pickup Drivers

Are you a victim of an overpriced car insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive car insurance.

Companies like Allstate and Progressive all claim big savings with advertising and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

You need to compare rates every six months since rates are usually higher with each renewal. Despite the fact that you may have had the best deal for C1500 pickup insurance a few years ago you can probably find a lower rate today. There is a lot of bad advice regarding car insurance on the internet, so by reading this article, you’re going to learn some solid techniques on how to find cheap car insurance.

Where Can I Get Cheap Car Insurance?

The are a couple different ways to get quotes and find the best price. The recommended way to find the lowest GMC C1500 Pickup rates is to use the internet to compare rates. This can be done in a couple of different ways.

  1. The most efficient way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method saves time by eliminating repetitive form entry for each company you want a rate for. One form gets rate comparisons from car insurance companies with the best prices.
  2. A less efficient way to shop for car insurance online requires visiting each company’s website and fill out their own quote form. For sake of this example, let’s say you want to compare Nationwide, Liberty Mutual and GEICO. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The least recommended way of getting rate comparisons is to drive around to insurance agents’ offices. Shopping for car insurance online eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed agents. It is possible to get prices online but still have the advice of a local agent. We’ll cover that shortly.

Whichever way you use, compare identical coverage limits and deductibles for each price quote. If you compare different limits and deductibles on each one it’s not possible to determine the best price for your GMC C1500 Pickup. Quoting even small variations in coverage limits may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a better price.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you quote, but some may not be applied and must be requested specifically in order for you to get them.

  • Good Student – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • No Charge for an Accident – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Club Memberships – Belonging to a qualifying organization may earn a discount when buying car insurance for C1500 pickup insurance.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

Drivers should understand that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

GMC C1500 Pickup insurance premiums are calculated by many factors

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to lower car insurance prices.

Shown below are a few of the “ingredients” that factor into prices.

  • Where you live can impact rates – Living in less populated areas can save you money when buying car insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have traffic congestion and longer commute times. Longer commute distances can result in more accidents.
  • Being married can save on car insurance – Having a wife or husband can get you a discount on car insurance. It is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Don’t skimp on liability – The liability section of your policy will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • High numbers of claims are not good – Companies give cheaper rates to drivers who file claims infrequently. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company and lower rates for you. If your GMC is rated at least four stars on it may be receiving lower rates.

What about my local agents?

Certain consumers would rather buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is you may find the lowest rates and still choose a local agent. Buying from local insurance agencies is especially important in smaller rural communities.Auto insurance in

For easy comparison, once you complete this quick form, your insurance coverage information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. You never need to even leave your home because quoted prices will be sent directly to your email. How cool is that?! You can find the lowest rates and work with a local agent.

Captive and independent car insurance agents

When searching for a good insurance agency, you need to know there are two different agency structures from which to choose. Insurance agencies can either be captive or independent.

Independent Agents

These agents are not employed by any specific company so they can insure your vehicles with lots of companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When comparing rates, it’s recommended you contact at least one independent agent to have the most options to choose from.

Captive Insurance Agents

Captive insurance agents can only place business with one company like Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captive agencies are trained well on their company’s products which helps them sell insurance even at higher premiums.

To view a complete directory of insurance agencies, visit this site.

Picking an insurance agent needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:

  • How long have they worked with personal auto insurance coverage?
  • Does the agency support the community they serve?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Is assistance available after office hours?
  • What insurance company do they write the most business with?

After receiving satisfactory answers and an affordable coverage quote, it’s possible that you found a car insurance agent that will properly insure your vehicles.

When might I need an agent?

When it comes to choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are my friends covered when driving my GMC C1500 Pickup?
  • How much liability do I need to cover my assets?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my insurance cover a custom paint job?
  • Who is covered by my policy?
  • Does my GMC C1500 Pickup qualify for pleasure use?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Do drivers who switch really save?

Companies like GEICO, State Farm and Progressive consistently run television and radio advertisements. All the ads say the same thing of big savings if you change to their company. How does each company make the same claim?

GMC C1500 Pickup insurance rates

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a preferred risk could be over the age of 50, has no driving citations, and has great credit. A customer who fits that profile gets the lowest rates and as a result will probably cut their rates substantially.

Consumers who fall outside this ideal profile will be quoted a more expensive rate which leads to the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do.

This emphasizes why it is so important to get a wide range of price quotes. It is impossible to predict the company that will provide you with the cheapest rates.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. In many instances, consumers will sacrifice liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at a price you can afford.

Cost effective GMC C1500 Pickup insurance is definitely available on the web as well as from independent agents, and you need to price shop both to have the best rate selection. Some car insurance companies don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.