I can’t think of a single person who looks forward to paying for auto insurance, especially when the cost is too high.
Lots of auto insurance companies contend to insure your vehicles, so it’s not easy to compare every company and get the best coverage at the best rate
Quick Auto Insurance Quotes
Most companies such as Progressive, Allstate and GEICO allow you to get prices on their websites. Getting quotes is quite simple as you simply type in your personal and coverage information into the quote form. After you complete the form, the company’s rating system will order your driving and credit reports and returns pricing information based on these factors. Being able to quote online makes comparing rates easy, but the time required to go to different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to do this in order to find the best price possible.
A less time-consuming method to compare rates utilizes a single form that gets price quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes comparison shopping much more enjoyable. Once the form is submitted, it gets priced and you can choose any of the pricing results.
If you find a better price you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and may save quite a bit of money.
To find out how much you’re overpaying now, simply click here to open in new window and submit the form. To compare your current rates, we recommend you enter deductibles and limits as shown on your current policy. Doing this assures you will receive an apples-to-apples comparison using the exact same coverages.
Can you really save that much by switching?
Auto insurance companies such as Progressive, Allstate and GEICO consistently run ads on TV and radio. They all seem to make the same claim of big savings if you change to them. But how can every company make almost identical claims? It’s all in the numbers.
Different companies have a preferred profile for the type of driver that makes them money. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, has no prior claims, and drives less than 7,500 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.
Potential customers who are not a match for the “perfect” profile will be charged a more expensive rate which leads to business not being written. The ads state “drivers who switch” not “people who quote” save money. This is how insurance companies can advertise the way they do.
That is why drivers must quote coverage with many companies. It’s impossible to know which company will provide you with the cheapest rates.
Factors influencing Chevy C3500 insurance rates
It’s important that you understand the rating factors that play a part in calculating auto insurance rates. Understanding what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.
Shown below are some of the factors companies use to determine your rates.
- Do you need those extra coverages? – There are many extra coverages that can waste your money on your C3500 policy. Coverages like rental car reimbursement, accident forgiveness and membership fees may be costing you every month. They may seem good initially, but your needs may have changed so get rid of them and save.
- More than one policy can earn a discount – Most insurance companies will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to ensure the best deal.
- Better credit means lower rates – Having a bad credit score is a large factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit. So if your credit rating is low, you could save money insuring your Chevrolet C3500 by improving your rating.
- Careful drivers pay lower rates – A bad driving record has a big impact on rates. Even one citation can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates than bad drivers. If you have serious violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
- More claims means more premium – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies award better rates to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of the large, substantial claims.
- Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Chevy is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
Save big with these discounts
The price of auto insurance can be rather high, but you can get discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be inquired about prior to receiving the credit.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
- E-sign – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
- Auto/Home Discount – If you have multiple policies with the same company you may earn at least 10% off all policies.
- No Accidents – Drivers with accident-free driving histories pay much less when compared with bad drivers.
- Multiple Vehicles – Having multiple vehicles with the same company qualifies for this discount.
- 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates for C3500 insurance.
It’s important to note that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.
To choose insurance companies with discount auto insurance rates, click this link.
Tailor your coverage to you
When choosing coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine whether you could use an agent’s help.
- Do I have any recourse if my insurance company denies a claim?
- Do I need PIP coverage since I have good health insurance?
- Do I have coverage when pulling a U-Haul trailer?
- Will my rates increase for filing one claim?
- What companies insure drivers after a DUI or DWI?
- I don’t drive much so do I pay less?
- Is a new car covered when I drive it off the dealer lot?
- Who is covered by my policy?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Price shop online but buy from a local agent
Some people just want to talk to a local agent and that is OK! The best thing about comparing rates online is that you can obtain better rates but still work with a licensed agent. And providing support for local insurance agencies is definitely important in small towns and cities.
Once you complete this short form, your information is immediately sent to insurance agents who will compete to get your business. You won’t need to leave your house because quoted prices will be sent to the email address you provide. How cool is that?! Get lower rates and an insurance agent to talk to.
What types of insurance agents are there?
When searching for a reliable agent, there are two different types of agents from which to choose. Agencies can either be independent (non-captive) or captive.
Independent Agents
Independent agents are not employed by any specific company but rather can write business with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.
When shopping rates, you should always include at least one independent agent to get the best comparison.
Captive Insurance Agents
Captive agencies are contracted to one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They are unable to compare other company’s rates so they have no alternatives for high prices. Captives are very knowledgeable on their company’s products and that can be a competitive advantage.
To view a full list of agencies, visit this page.
Selecting a car insurance agent requires more thought than just the price. Some important questions to ask are:
- Are claim adjusters local or do you have to take your car somewhere else?
- Are they able to influence company decisions when a claim is filed?
- What are the financial ratings for the companies they represent?
- Are there any discounts that you might be missing?
- If you are a high risk driver, do they have special markets for your coverage?
After receiving positive feedback to your questions and an affordable coverage quote, chances are good that you have found an insurance agency that meets your needs to insure your vehicles.
And the best car insurance company is…
Lower-priced Chevy C3500 insurance can be sourced both online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.
When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
We covered many ways to lower your Chevy C3500 insurance rates. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a lesser-known regional company. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.
