Locating better insurance prices for a Chevy C1500 can normally be a lot of work, but you can learn these tips and make it easy.
There are more efficient ways to shop for auto insurance so you’re going to learn the quickest way to get price quotes for a Chevy and get the lowest possible price from both online companies and local agents.
Finding the best auto insurance coverage can be fairly easy. In a nutshell, every driver who is shopping for auto insurance most likely will be able to find lower rates. Although vehicle owners need to have an understanding of how insurance companies price online insurance and apply this information to your search.
Automobile Insurance Quotes
When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The best method to find the cheapest Chevy C1500 insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished using a couple different methods.
- One of the simplest ways to get quotes is a comparison rater form click here to open form in new window. This form keeps you from doing multiple quote forms for every auto insurance company. Completing one form will get you rate comparisons from auto insurance companies with the best prices. It’s definitely the quickest method.
- A more difficult way to find lower rates is going to each individual company website to request a price quote. For sake of this example, we’ll assume you want to compare GEICO, Allstate and Farmers. To find out each rate you need to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
It’s up to you how you get prices quotes, just make absolute certain that you use the exact same quote information for each comparison quote. If you use different liability limits it will be next to impossible to decipher which rate is best. Quoting even small variations in limits may cause a big price difference. And when quoting auto insurance, remember that comparing a large number of companies helps you find better pricing.
Do drivers who switch really save?
Auto insurance companies such as Progressive, Allstate and GEICO regularly use ads on TV and radio. They all seem to have a common claim that you can save if you move to them. How do they all say the same thing? This is how they do it.
All companies are able to cherry pick for the driver that makes them money. An example of a preferred risk could possibly be a mature driver, has no prior claims, and has a short commute. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save a lot of money.
Drivers who don’t meet these standards will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the way they do.
This emphasizes why drivers must compare many company’s rates. Because you never know which auto insurance company will have the lowest rates.
Discounts are great for lower rates
Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but a few must be asked for before they will apply.
- Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
- Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
- Lower Rates for Military – Having a deployed family member could mean lower rates.
- Resident Student – Children living away from home attending college without a vehicle on campus can receive lower rates.
- Safety Course Discount – Completing a defensive driving course can save you 5% or more if your company offers it.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% on C1500 coverage with a few auto insurance companies.
It’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you’re out of luck. But any discount will reduce the amount you have to pay.
For a list of companies with discount auto insurance rates, click here.
More quotes mean more savings
While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed full coverage to discover at claim time that it was a big mistake. Your strategy should be to buy enough coverage at a price you can afford.
Insureds switch companies for a number of reasons such as unfair underwriting practices, questionable increases in premium, denial of a claim or even lack of trust in their agent. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.
We covered a lot of ways to lower your Chevy C1500 insurance rates. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.
