Five Minute Guide to Paying Less for Chevy G20/2500 Insurance Online

Are you a victim of overpriced car insurance? Believe me, there are many consumers feeling the pinch from expensive car insurance.

Because there are so many choices of insurance companies, it is very difficult to locate the lowest cost insurer.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Although vehicle owners benefit from understanding how big insurance companies sell online and use this information to your advantage.

Automobile Insurance Quotes

There are several ways to compare rate quotes from local car insurance companies. The easiest way by far to find the lowest Chevy G20/2500 rates consists of shopping online. This can be done in several different ways.

• The first (and easiest) way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form keeps you from doing multiple quote forms to each individual car insurance company. One form submission will return price quotes instantly.
• A harder way to get comparison quotes is to manually visit each company website and complete a new quote form. For sake of this example, let’s assume you want rates from Progressive, 21st Century and GMAC. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular.

  For a list of links to insurance companies in your area, click here.

• The least efficient way to compare rates is to waste gas driving to and from local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you require the personal advice only provided by licensed agents. You can, however, comparison shop your insurance online but buy from a local insurance agent and you’ll learn how to do that later.

However you get your quotes, be sure to compare exactly the same coverage limits on every quote. If each company quotes differing limits it will be impossible to determine which rate is truly the best. Slightly different insurance coverages can make a big difference in price. Just remember that comparing a large number of companies gives you a better chance of getting lower pricing.

Don’t listen to company ads

Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. All the companies make an identical promise that you can save if you move your coverage to them. How does each company make almost identical claims?

Different companies have a certain “appetite” for the right customer that makes them money. An example of a desirable insured could be a mature driver, a clean driving record, and drives newer vehicles. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet the “perfect” profile will be charged higher premiums and ends up with business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can state the savings. That is why you should get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

Don’t pay full price with these discounts

Auto insurance companies do not list every available discount very clearly, so we break down both the well known and also the lesser-known ways to save on car insurance.

• Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
• Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
• Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
• Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
• Fewer Miles Equal More Savings – Driving fewer miles can earn better rates on cars that stay parked.
• Defensive Driving Course – Completing a course in driver safety could save 5% or more if you qualify.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on G20/2500 coverage.
• Student in College – Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
• Bundle and Save – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of insurance companies with the best car insurance discounts, click here to view.

But buying car insurance online seems impersonal

A small number of people would rather buy from a licensed agent and there is nothing wrong with that. The biggest benefit of comparing rates online is that you can obtain better rates but still work with a licensed agent.

To help locate an agent, after submitting this form (opens in new window), your coverage information is immediately sent to companies who will compete for your business. There is no need to drive around as quotes are delivered to your email. How’s that for easy! Get lower rates AND a local agent.

Deciding on an provider requires more thought than just the bottom line cost. Here are some questions to ask:

• Are they able to influence company decisions when a claim is filed?
• Do they specialize in personal lines coverage?
• Who is covered by the car insurance policy?
• Are they properly licensed to sell insurance in your state?
• Does the agency have a good rating with the Better Business Bureau?

Auto insurance agents are either independent or captive

When researching a good insurance agent, you need to know there are two types of agencies to choose from. Agencies are either captive or independent (non-captive).

Agency Captives

These agents are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot shop your coverage around so they have to upsell other benefits. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.

When comparison shopping, it’s recommended you include price quotes from several independent insurance agents to have the most options to choose from.

For a complete listing of agencies, visit this page.

Upon getting satisfactory answers to these questions and locked in a price quote, you’ve probably found an auto insurance agent that meets your needs to properly insure your vehicles.

Smart consumers save more

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced full coverage only to find out they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

Budget-conscious Chevy G20/2500 insurance is attainable online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

You just learned a lot of information how to shop for Chevy G20/2500 insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.