How to Find Affordable Insurance for your GMC G3500 Van
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. You probably feel the same way when trying to find cheaper coverage for your GMC G3500 Van.
Step One: Compare Rates from Multiple Companies
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Times have changed!
You can now shop all the best car insurance companies and compare rates for a GMC G3500 Van and you don't even have to visit each individual website!
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your GMC G3500 Van.
Quote Tip! In order to accurately compare rates for your G3500 Van, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Tried and True Ways to Save on G3500 Van Insurance
What you actually pay to insure your GMC is determined by many factors, some of which you have no control over.
- If your G3500 Van ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- Youthful or teen drivers that are rated on any vehicle will cost more. The inexperience and tendancy to enjoy going fast is a recipe for an accident.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Each year make a habit of checking your credit score. If you find problems that may be dragging down your credit rating, address them immediately. This will result in significant savings on car insurance.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
Step Three: Purchase a New Policy
Knowing which company to insure your G3500 Van with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
If this is a new policy with only the GMC 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. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new G3500 Van at risk as soon as you drive away.
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. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
To do more research on car insurance, visit the Insurance Information Institute website.
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