Are Your GMC Sierra 2500HD Classic Pickup Auto Insurance Rates Draining Your Savings?

Sick and tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as many other drivers. Online insurance companies like Allstate and Progressive promote their brand names with TV and radio ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

If you have a policy now or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners just need to learn the tricks to find the lowest price online.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but a few must be inquired about before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

• Paperless Signup – Some insurance companies give back up to $50 for buying your policy on their website.
• Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last up to age 25.
• Claim Free – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
• Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
• College Student – Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
• Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on SierraHD Classic pickup coverage than drivers with accidents.
• Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
• Accident Forgiveness – Certain companies permit an accident before your rates go up as long as you don’t have any claims prior to the accident.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

You are unique and your auto insurance should be too

When choosing coverage, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

• Is there coverage for injuries to my pets?
• Am I covered by my spouse’s policy after a separation?
• I don’t drive much so do I pay less?
• Do I have coverage for damage caused while driving under the influence?
• Are all vehicle passengers covered by medical payments coverage?
• Am I covered when pulling a rental trailer?
• What are the best liability limits?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Aren’t my neighborhood agents an option?

Some consumers prefer to talk to a local agent. Insurance agents can help determine the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is that you can obtain lower rates but still work with a licensed agent. And providing support for local insurance agencies is important particularly in smaller rural communities.

By using this simple form, the coverage information is transmitted to local insurance agents who will return price quotes to get your business. You never need to even leave your home because quoted prices will be sent to the email address you provide. How cool is that?!

What type of auto insurance agent is right for you?

When finding a reliable agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agencies are classified as either captive or independent. Either one can write coverage properly, but it’s worth mentioning the difference between them since it can impact buying decisions.

Independent Agents (or Brokers)

These agents are not required to write business for one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include multiple independent agents to get the best comparison.

Agency Captives

Captive insurance agents have only one company to place business with and examples are State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Captive agents are well schooled on their company’s products which helps them compete with independent agents.

For a complete listing of agencies, click here.

Selecting an insurance agent shouldn’t rely on just a cheap price. Any agent should be forthright in answering these questions:

• Do they assist clients in filing claims?
• What is the agency’s Better Business Bureau rating?
• Do they receive special compensation for putting your coverage with one company over another?
• How long has their agency been open?
• Can they give you a list of client referrals?
• Are they properly licensed to sell insurance in your state?

Upon getting positive feedback to any questions you have and an affordable coverage quote, you’ve probably found an insurance agent that can service your policy.

In Summary

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability coverage limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.

In this article, we presented quite a bit of information on how to save on GMC Sierra 2500HD Classic Pickup insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the best prices are with the least-expected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.