Insuring Your GMC K3500 Pickup Just Got A Whole Lot Cheaper

Searching for the cheapest insurance for your GMC K3500 Pickup can normally be an all-consuming task, but you can follow our auto insurance buying tips and make it easy.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the best way to price shop coverage for your GMC and find the cheapest rates.

You need to compare rates at least once a year because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rates for K3500 pickup coverage last year a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the right way to buy cheaper auto insurance.

How much can you save with discounts?

Insurance can be prohibitively expensive, but you may find discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but some must be specifically requested prior to getting the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Low Mileage – Fewer annual miles on your GMC could be rewarded with discounted rates on garaged vehicles.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for K3500 pickup coverage than drivers with accidents.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for K3500 pickup coverage with select insurance companies.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up on their website.
  • Homeowners Savings – Simply owning a home can save you money because of the fact that having a home shows financial diligence.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will bring down the cost of coverage.

Auto Insurance Comparison Rates

Performing a rate comparison can take time and effort if you don’t know the best way to get rate quotes. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use the web to achieve your goal.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and at least one company returns a competitive quote for coverage. This eliminates the need for quote forms for each company.

To enter your information into the quoting system, click here to start a free quote. insurance prices

The one downside to pricing coverage this way is that you can’t choose the companies to get pricing from. So if you want to select specific insurance companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverages on every quote you get. If your comparisons have different deductibles it’s not possible to truly determine the lowest rate.

Factors influencing GMC K3500 Pickup insurance rates

It’s important that you understand the rating factors that help determine your auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with better auto insurance rates.

  • An active claims history can cost you – If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance companies generally give discounts to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your GMC has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Pay less if you’re married – Getting married can get you a discount when buying auto insurance. Having a significant other means you’re more mature and responsible and it’s proven that married couples file fewer claims.
  • With age comes lower rates – Teenage drivers are statistically proven to get distracted easily in a vehicle so auto insurance rates are higher. Mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • Discounts for multiple policies – The majority of insurance companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to verify if the discount is saving money. Consumers may find a better deal by splitting coverages up.

The fine print in auto insurance ads

Consumers can’t ignore all the ads for car insurance savings by State Farm, GEICO and Progressive. They all make an identical promise about savings if you change to their company.

How do they all make the same claim?

Different companies can use profiling for the driver that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, is a homeowner, and has great credit. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Potential customers who don’t qualify for this ideal profile will have to pay higher rates which leads to business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save money. This is how companies can advertise the way they do.

K3500 Pickup insurance rates

Because of the profiling, drivers must compare many company’s rates. It’s impossible to know which company will fit your personal profile best.

More effort can pay off

Cheap GMC K3500 Pickup insurance is definitely available on the web in addition to many insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

In this article, we presented a lot of information how to save on GMC K3500 Pickup insurance. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest premiums are with an unexpected company.

People who switch companies do it for a variety of reasons including lack of trust in their agent, delays in paying claims, an unsatisfactory settlement offer or even unfair underwriting practices. Regardless of your reason, switching auto insurance companies can be easier than you think.