Tricks for Finding the Best Chevy G10/1500 Insurance Prices

Are you a victim of overpriced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Many insurers compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

You need to price shop coverage occasionally because prices change regularly. Even if you got the lowest rates for G10/1500 coverage a few years ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about auto insurance because we’re going to show you the only way to remove unneeded coverages and save money.

Lots of discounts mean lots of savings

Companies that sell car insurance do not advertise all available discounts very clearly, so we took the time to find some of the best known as well as the least known ways to save on auto insurance. If you’re not getting every credit available, you’re just leaving money on the table.

• No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
• Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
• New Car Discount – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
• Defensive Driver – Completing a defensive driving course could save 5% or more if your company offers it.
• Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
• Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
• Paperless Signup – A few companies will give a small break simply for signing on their website.
• Low Mileage – Fewer annual miles on your Chevy could be rewarded with discounted rates on garaged vehicles.
• Air Bag Discount – Vehicles equipped with air bags can qualify for discounts of 20% or more.

It’s important to note that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, companies don’t profit that way.

To see a list of companies offering auto insurance discounts, click here.

Chevy G10/1500 rates are complex

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

• Do you know you’re credit rating? – Having a bad credit score is a large factor in determining what you pay for auto insurance. If your credit rating is lower than you’d like, you could pay less to insure your Chevrolet G10/1500 by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit.
• Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Chevy G10/1500 is rated at least four stars on Safercar.gov it may be receiving lower rates.
• High performance equals high price – The performance level of the car you drive makes a substantial difference in the rate you pay. The lowest rates tend to be for low performance passenger cars, but there are many factors that impact the final cost. Due to the fact that the Chevrolet G10/1500 is a van and minivan, rates will be similar in price than the average rate where you live.
• Your location is important – Residing in less populated areas has it’s advantages when insuring your vehicles. Fewer drivers means reduced accidents. City drivers regularly have congested traffic and longer commute times. Higher commute times means more change of being in an accident.

What about my local agents?

Some people prefer to get advice from a local agent and there is nothing wrong with that. Insurance agents can point out coverage gaps and give you peace of mind. One of the great benefits of comparing rates online is you may find lower rates but still work with a licensed agent.

By using this form (opens in new window), your coverage information is instantly submitted to local insurance agents who will return price quotes for your coverage. There is no need to visit any agencies as quotes are delivered immediately to your email address. How cool is that?!

Selecting an insurance company needs to be determined by more than just the bottom line cost. Agents should be asked these questions:

• What are the financial ratings for the companies they represent?
• Is working in the agency their full-time job?
• Did they already check your driving record and credit reports?
• Which company do they place the most coverage with?
• Do the coverages you’re quoting properly cover your vehicle?
• Will their companies depreciate repairs to your car based on the mileage?
• Does the agent have professional designations like CIC, CPCU or AIC?
• If your car is totalled, how to they determine the replacement cost?

Insurance agents come in two flavors

When searching for local agents, you need to know there are two different agency structures that you can select. Agents can either be captive or independent. Either one can properly insure your vehicles, but it’s good to learn how they differ since it can impact your agent selection.

Captive Insurance Agents

These agents write business for a single company and examples are AAA, Allstate and State Farm. These agents are unable to give you multiple price quotes so they have to upsell other benefits. These agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Independent Agents

These agents do not work for one specific company but rather can write business with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When searching for an agent, we recommend you get quotes from at a minimum one independent agency for the best price selection.

To view a complete directory of agents, visit this page.

Once you have received positive feedback to your questions and an acceptable price quote, you may have just found an auto insurance agent that will properly insure your vehicles.

More comparisons equals lower rates

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. There are too many instances where consumers will sacrifice physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We covered some good ideas how to lower your Chevy G10/1500 insurance rates. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. You may even discover the lowest premiums are with a small local company. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.