Tightwads Guide to Insuring a GMC C3500HD Truck
If shopping for auto insurance was more enjoyable, it would get done more often. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. Insuring your GMC C3500HD Truck is probably no exception.
Step One: Compare Rates
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. But now you can eliminate that hassle and buy online!
All the major car insurance companies sell insurance for a GMC C3500HD Truck and you don't even have to visit each individual website!
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your C3500HD Truck.
Step Two: Best Ways to Lower your C3500HD Truck Insurance Cost
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your C3500HD Truck insurance rates.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- If your GMC is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your C3500HD Truck falls into either category, it could cost you.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
Step Three: Choose a Company and Bind Coverage
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new C3500HD Truck won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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