Feel like you’re a prisoner to overpriced auto insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. You have multiple insurers to insure vehicles with, and even though it’s nice to have a selection, having more insurance companies makes it harder to find the lowest cost provider.
It is always a good idea to get comparison quotes on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates on S15 pickup coverage a year ago there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance on the web, but with this article, you’re going to get some great ideas on how to save money.
Finding the best rates is not rocket science. If you currently have a car insurance policy, you should be able to save some money using these methods. Consumers only need to know the proper methods to compare rates on the web.
How to Get Auto Insurance Comparison Quotes
There are several ways to compare auto insurance prices but some are less labor-intensive and much quicker. You could waste time talking about coverages with insurance agencies in your area, or you can stay home and use the internet for quick rates.
Many of the larger companies belong to a marketplace that allows shoppers to submit their information once, and at least one company then returns a price quote based on the submitted data. This eliminates the need for form submissions to each company.
To access this free quoting program, click to open in new window.
The one downside to doing it this way is you don’t know exactly which carriers to receive prices from. If you prefer to choose from a list of companies for rate comparison, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.
However you get your quotes, make absolute certain that you use the exact same information for every quote you compare. If each company quotes different deductibles then you won’t be able to determine the best price for your GMC S15 Pickup.
Policy discounts you shouldn’t miss
Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit available, you are throwing money away.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
- Multi-policy Discount – If you have multiple policies with one company you will save up to 20% off your total premium.
- Save over 55 – Older drivers may qualify for a small decrease in premiums on S15 pickup coverage.
- Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
- New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
- Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy qualifies for this discount.
- Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
It’s important to note that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
For a list of companies offering auto insurance discounts, click here to view.
What about using a local agent?
Some people just want to buy from a local agent and that is just fine! Professional agents can answer important questions and help submit paperwork. The best thing about comparing insurance prices online is you can get lower rates and still have an agent to talk to.
To help locate an agent, after submitting this simple form, your insurance data is sent to companies who will give you bids for your business. There is no need to leave your house since price quotes are sent straight to your inbox. Now that’s easy!
Selecting an insurance company shouldn’t rely on just the price. These are valid questions to ask:
- How are they compensated?
- Is the agency involved in supporting local community causes?
- Are you getting all the discounts the company offers?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Which company do they place the most coverage with?
If you want to view a list of agents in your state to contact, visit this site.
After getting answers to your satisfaction to all your questions as well as a affordable price, you may have just found an insurer that is a good match to adequately provide auto insurance.
What is the best insurance coverage?
When choosing proper insurance coverage, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.
- Who is covered when they drive my GMC S15 Pickup?
- What is the minimum liability in my state?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I need motorclub coverage?
- Does my car insurance cover rental cars?
- What vehicles should carry emergency assistance coverage?
- Do I pay less if my vehicle is kept in my garage?
- How much underlying liability do I need for an umbrella policy?
- What companies insure drivers after a DUI or DWI?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
GMC S15 Pickup insurance rates can be determined by these details
Consumers need to have an understanding of the different types of things that come into play when calculating your auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in better auto insurance rates.
The list below includes a partial list of the pieces used by your company to calculate premiums.
- A lapse in coverage is a bad thing – Having an insurance coverage lapse is a guaranteed way to increase your auto insurance rates. Not only will rates go up, but not being able to provide proof of insurance might get you a revoked license or a big fine.
- Mature drivers pay less – Young drivers have a tendency to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Having to add a teenage driver onto your auto insurance can be quite pricey. Older drivers are more cautious drivers, file fewer claims and are safer drivers.
- Liability coverage is cheap – Liability coverage will protect you in the event that you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
- A clean driving record saves money – Even one citation can increase rates forty percent or more. Good drivers tend to pay less for car insurance than bad drivers. If you have serious violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
- Do men or women drive better? – The statistics show that women are safer drivers than men. However, this does not mean women are better drivers. They both tend to get into accidents in similar numbers, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
- Pay less after the wedding – Having a spouse helps lower the price on your auto insurance policy. Marriage usually means you are more responsible and it’s proven that married drivers get in fewer accidents.
- Performance makes a difference – The make and model of the car you own makes a substantial difference in how high your rates are. Since the GMC S15 Pickup is classified as a pickup truck, insuring your vehicle will cost similar in price compared to average rates. Low performance passenger cars usually have the lowest rates, but there are many factors that impact the final cost.
- High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your GMC S15 Pickup has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
In the end, you save
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.
Affordable GMC S15 Pickup insurance can be bought both online as well as from independent agents in your state, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer online quoting and these smaller companies work with independent agents.
