Insure Your GMC Sonoma For Less Than You Are Paying Now
If shopping for auto insurance was more enjoyable, it would get done more often. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Cutting the check for each renewal on your GMC Sonoma might give you the same feeling.
Step One: Compare Rates
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. But you can now comparison shop and buy direct online!
You can compare insurance rates for a GMC Sonoma simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Quote Tip! In order to accurately compare rates for your Sonoma, 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: Top Ways to Get Lower Sonoma 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 Sonoma insurance rates.
- For some reason, car theives target particular makes and models more than others. If your Sonoma is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- 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.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- 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.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Car insurance rates for a teen driver on a GMC Sonoma will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- 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: Finalize your Policy Details
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
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.
Before you drive your GMC Sonoma home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. 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 Sonoma 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.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. 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 do more research on car insurance, visit the Insurance Information Institute website.
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