Tightwads Guide to Insuring a Chevrolet G30/3500
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Cutting the check for each renewal on your Chevrolet G30/3500 might give you the same feeling.
Step One: Compare Multiple Rate Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Times have changed!
Getting online rate quotes for a Chevrolet G30/3500 from all the major insurance companies is very easy and only requires you to enter your information once.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your G30/3500.
Step Two: How to Insure your G30/3500 for Less
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your G30/3500 that will also lower the rate you pay irregardless of which company you choose.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- If your Chevrolet is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- Vehicle thefts drive up the cost of everyone's insurance, but if your G30/3500 is on the list of the most frequently stolen cars, you might be paying just a little extra.
- If you're a young driver, you will pay more to insure a G30/3500. There isn't anything you can do about your age, but rates will drop as you mature.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
Step Three: Finalize your Policy Details
Once you have compared identical rate quotes for your G30/3500 and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
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 this is a new policy with only the Chevrolet on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new G30/3500 won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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