Three Easy Steps to Lower Chevrolet C3500 Insurance Rates
If shopping for auto insurance was more enjoyable, it would get done more often. Unfortunately, it's not always as easy as it sounds to get the best rate. Cutting the check for each renewal on your Chevrolet C3500 might give you the same feeling.
Step One: Compare Rates
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Welcome to the 21st century!
You can now shop all the best car insurance companies and compare rates for a Chevrolet C3500 and you don't even have to visit each individual website!
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your C3500.
Step Two: Tricks to Saving Money on C3500 Insurance
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your C3500 insurance rates.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- Most Chevrolet vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- For some reason, car theives target particular makes and models more than others. If your C3500 is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
Step Three: Finalize your Policy Details
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Chevrolet off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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