7 Best Tips to Lower GMC G1500 Vandura Cargo Van Insurance Costs

Finding better insurance prices for a GMC G1500 Vandura Cargo Van can normally be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for car insurance and we’ll show you the absolute fastest way to get price quotes for a new or used GMC and get the lowest price.

It’s a good idea to compare rates at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best rates for G1500 vandura Cargo van insurance a few years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to learn one of the best ways to eliminate unnecessary coverages and save money.

How to Lower Your Car Insurance Cost

All the larger car insurance companies such as State Farm, GEICO and Progressive give insurance quotes on the web. Getting quotes is quite easy as you just enter the coverage amounts you desire as requested by the quote form. Behind the scenes, their system pulls credit information and your driving record and generates pricing information.

This simplifies rate comparisons, but the time required to go to several different sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible if you want to find the best price on car insurance.

The easy way to compare rates

A more efficient way to get multiple rate quotes requires only one form to get prices from more than one company. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable. Immediately after you send the form, it is rated with multiple companies and you can pick any of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It only takes a few minutes and could lower your rates considerably.

If you want to find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you have coverage now, it’s recommended you replicate deductibles and limits as shown on your current policy. This ensures you are getting a price comparison using the same coverage and limits.

Misconceptions in car insurance advertisements

Drivers can’t get away from ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing of big savings if you move your coverage to them.

But how can every company say the same thing? It’s all in the numbers.

All the different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a profitable customer might be between 30 and 50, is a homeowner, and chooses high deductibles. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Drivers who are not a match for these standards will be charged a higher premium and ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully make those claims. That is why it’s extremely important to get a wide range of price quotes. It is impossible to predict the company that will provide you with the cheapest rates.

Do you qualify for a discount?

Auto insurance companies don’t always list every discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount available, you’re just leaving money on the table.

• Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% for G1500 vandura Cargo van insurance.
• New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.
• Military Discounts – Being on active duty in the military can result in better rates.
• Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
• Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.

It’s important to note that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

Learn about car insurance coverages for a GMC G1500 Vandura Cargo Van

Understanding the coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as falling objects, hail damage and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – This provides protection from damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects, medical services and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision – This covers damage to your G1500 Vandura Cargo Van caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance – Med pay and PIP coverage kick in for bills like pain medications, doctor visits, ambulance fees, chiropractic care and X-ray expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

And the best car insurance company is…

We covered some good ideas how you can reduce GMC G1500 Vandura Cargo Van insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a smaller regional carrier.

Cheaper GMC G1500 Vandura Cargo Van insurance is possible both online and with local insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In many cases, consumers will sacrifice full coverage and learned later that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.