Searching for low-cost insurance for your GMC K1500 Pickup can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to find auto insurance online so we’re going to tell you the absolute fastest way to compare rates for a GMC and find the cheapest rates either online or from local insurance agents.
Finding the best rates is easy if you know what you’re doing. If you are insured now or need a new policy, you can learn to cut your premiums and possibly find even better coverage. Drivers only need to know the most effective way to shop their coverage around over the internet.
These factors can influence GMC K1500 Pickup insurance rates
It’s important that you understand the factors that help determine auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get better auto insurance rates.
- Younger drivers pay higher rates – Teenage drivers are known to get distracted easily behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a youthful driver to your policy can be quite pricey. Older drivers are more responsible, file fewer claims and tend to be better behind the wheel.
- Lower rates with optional equipment – Driving a car with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
- Do you have enough liability coverage? – Liability insurance is the protection if ever you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
- Where you live can impact rates – Residing in a rural area has it’s advantages when it comes to auto insurance. Urban drivers tend to have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents.
- How’s your driving record? – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Just one speeding ticket can bump up the cost twenty percent or more. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
- Sex matters – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both tend to get into accidents at about the same rate, but the men have costlier accidents. Men also statistically receive more costly citations such as reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
These discounts can lower your rates
Companies don’t always list every discount very well, so here is a list both the well known and also the lesser-known savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Accident Free – Good drivers with no accidents pay much less when compared with accident-prone drivers.
- Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
- Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break when buying auto insurance on K1500 pickup coverage.
- Fewer Miles Equal More Savings – Fewer annual miles on your GMC could be rewarded with lower rates on the low mileage vehicles.
- Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
- E-sign – A handful of insurance companies may give you up to $50 just for signing your application online.
- Discount for New Cars – Insuring a new car can cost up to 25% less compared to insuring an older model.
A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.
For a list of insurance companies with the best auto insurance discounts, click here to view.
What happened to insurance agents?
Certain consumers just want to get advice from a local agent and that is just fine! Agents can point out coverage gaps and help file insurance claims. The biggest benefit of price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), the coverage information is sent to agents in your area who will compete for your coverage. There is no need to leave your house since price quotes are sent straight to your inbox. Now that’s easy!
Choosing an provider needs to be determined by more than just a cheap price. Ask your prospective agent these questions:
- Does the agency have a good rating with the Better Business Bureau?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are there any discounts that you might be missing?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Who is covered by the car insurance policy?
- If they are an independent agency, which companies do they recommend?
- Does the company allow you to choose your own collision repair facility?
To view a list of agents in your state to contact, click here.
After getting satisfactory answers to your questions and locked in a price quote, you have narrowed it down to an insurer that meets your needs to provide auto insurance coverage.
The auto insurance bait and switch
Consumers constantly see and hear ads for car insurance savings from companies such as Allstate and Progressive. They all seem to have a common claim that you can save if you change your policy.
How can each company make the same claim? This is how they do it.
Different companies have a preferred profile for the right customer that makes them money. For example, a driver they prefer could possibly be between 25 and 40, owns a home, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and therefore will save when they switch companies.
Potential customers who are not a match for the “perfect” profile will be charged higher premiums and this can result in business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how companies can advertise the savings. That is why drivers must get as many quotes as possible. It is impossible to predict which company will have the lowest rates.
Situations that might require an agent
When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.
For example, these questions might point out whether or not you might need an agent’s assistance.
- What is the minimum liability in my state?
- Does my liability insurance cover pulling a trailer or camper?
- Is my GMC K1500 Pickup covered for flood damage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I need rental car coverage?
- Are all vehicle passengers covered by medical payments coverage?
If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.
Quote more, save more
Insureds switch companies for many reasons like lack of trust in their agent, questionable increases in premium, delays in paying claims or even delays in responding to claim requests. Whatever your reason, finding the right auto insurance provider is not as difficult as it may seem.
The cheapest GMC K1500 Pickup insurance is available both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get a quote online and these small insurance companies work with independent agents.
As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. In many instances, someone sacrificed physical damage coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
