Finding the cheapest insurance for a new or used GMC G3500 Van could be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to compare auto insurance rates and we’ll show you the quickest way to price shop coverage for a new or used GMC and locate the lowest price from both online companies and local agents.
It’s a good idea to shop coverage around occasionally since rates change regularly. Even if you got the lowest rates for G3500 van insurance last year the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.
Lesser-known factors impacting GMC G3500 Van insurance rates
It’s important that you understand the different types of things that help determine the rates you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that will entitle you to better auto insurance rates.
- Your spouse saves you money – Having a wife or husband actually saves money on your policy. Having a spouse usually means you are more mature than a single person and statistics show being married results in fewer claims.
- Men pay higher rates – Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
- Performance influences rates – The type of vehicle you own makes a substantial difference in your rates. The most favorable rates are usually for economy passenger cars, but other factors influence the final cost greatly. Due to the fact that the GMC G3500 Van is considered a van and minivan, insuring your vehicle will cost similar in price compared to average rates.
- Do you qualify for a multi-policy discount? – Most insurers provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by splitting coverages up.
- Older drivers save more – More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be more careless when driving therefore auto insurance rates are much higher.
- Traffic violations increase rates – Even a single moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Drivers who get severe violations like DUI or reckless driving may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
Discounts are basically free money
Auto insurance companies do not advertise every available discount in an easy-to-find place, so the following is a list of some of the more common and the more hidden savings tricks you should be using.
- Defensive Driver – Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
- Military Discounts – Having a deployed family member can result in better rates.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
- Memberships – Participating in a civic or occupational organization is a good way to get lower rates on auto insurance for G3500 van insurance.
- Federal Government Employee – Employees or retirees of the government can save as much as 8% for G3500 van insurance with select insurance companies.
It’s important to note that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous.
For a list of companies with the best auto insurance discounts, click here.
Which insurance is the “right” coverage?
When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.
For instance, these questions can aid in determining if your situation might need an agent’s assistance.
- How much underlying liability do I need for an umbrella policy?
- Do I have coverage when making deliveries for my home business?
- Am I covered if I drive in a foreign country?
- Can I still get insurance after a DUI?
- When does my teenage driver need to be added to my policy?
- Am I covered by my spouse’s policy after a separation?
- Are all vehicle passengers covered by medical payments coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Why does it cost so much to insure a teen driver?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Quote more, save more
Cost effective GMC G3500 Van insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and most of the time these small insurance companies sell through independent agents.
Drivers who switch companies do it for a variety of reasons including policy cancellation, policy non-renewal, high rates after DUI convictions and extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.
As you restructure your insurance plan, never buy poor coverage just to save money. In many cases, an insured cut collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
