Searching for cheaper insurance for a Chevy R3500 Pickup can turn out to be a lot of work, but you can follow these tips to make it easier.
There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to quote coverages for a Chevy and obtain the best price possible.
Vehicle Insurance Comparison
All major car insurance companies give insurance quotes online. Getting quotes is pretty easy as you just enter your coverage preferences into the quote form. Once entered, the company’s rating system automatically retrieves information on your driving record and credit history and returns a price quote based on these factors.
Quoting online helps simplify price comparisons, but the time it takes to visit different websites and type in the same information can be a bit repetitive. But it’s very important to compare as many rates as possible if you are searching for better car insurance pricing.
There is a better way to compare rates
The quickest way to compare car insurance pricing utilizes a single form that obtains quotes from many companies. It saves time, helps eliminate reptitive entry, and makes online quotes much simpler. Immediately after submitting the form, it is quoted and you can choose any one of the resulting price quotes.
If you find a better price you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.
To quickly find out how much you’re overpaying now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended that you enter exactly as they are listed on your policy. Doing this assures you are getting rate comparison quotes for exact coverage.
Do you qualify for these seven discounts?
The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but some must be specially asked for before you get the savings.
- Resident Student – Children living away from home attending college and don’t have a car can receive lower rates.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Life Insurance – Some companies give a break if you buy auto and life insurance together.
- Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for R3500 pickup insurance with certain companies.
- Good Student – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
- Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
- Senior Discount – Mature drivers may be able to get better car insurance rates for R3500 pickup insurance.
It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.
For a list of companies with discount car insurance rates, click here.
Don’t assume everyone needs the same coverage
When choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.
For instance, these questions could help you determine whether your personal situation could use an agent’s help.
- Do I need higher deductibles?
- Do I need PIP coverage since I have good health insurance?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Are rental cars covered under my policy?
- Is there coverage for injuries to my pets?
- Is pleasure use cheaper than using my Chevy R3500 Pickup to commute?
- Why am I required to buy high-risk coverage?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.
Car insurance coverage basics
Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.
Liability coverages – This will cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like medical services, bail bonds, medical expenses and court costs. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.
Collision coverages – This pays for damage to your R3500 Pickup from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy R3500 Pickup.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.
Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses like pain medications, hospital visits, ambulance fees, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like hail damage, hitting a bird, theft and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
A tidy conclusion
While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best price.
Drivers who switch companies do it for a variety of reasons including lack of trust in their agent, questionable increases in premium, policy non-renewal and denial of a claim. No matter why you want to switch, finding a new car insurance company can be easier than you think.
Budget-conscious Chevy R3500 Pickup insurance is definitely available online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.
