1991 GMC R/V 3500 Series Insurance Quotes – 7 Savings Tips

Looking for cheaper insurance rates for your GMC R/V 3500 Series? If you’re new to shopping for insurance coverage quotes online, by this point your are probably overwhelmed due to the large selection of insurers all claiming to save you money.

Do you qualify for these seven discounts?

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but some may not be applied and must be manually applied in order for you to get them.

• Paperwork-free – Some of the larger companies give back up to $50 for signing up over the internet.
• Multiple Policy Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Own a Home and Save – Simply owning a home can get you a discount because owning a home is proof of financial responsibility.
• Professional Memberships – Belonging to qualifying clubs or civic groups could trigger savings when shopping for insurance.
• Drive Safe and Save – Insureds without accidents can save as much as half off their rates for R/V Series coverage compared to accident prone drivers.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• Driver’s Education for Students – Have your child sucessfully take a drivers education course as it will make them better drivers and lower rates.

As a footnote on discounts, most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A partial list of companies that may have most of these discounts include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

When quoting, ask every prospective company to give you their best rates. Some discounts might not be offered on policies in your state. To view insurers who offer discounts, click this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions might point out whether you could use an agent’s help.

• How many claims can I have before being cancelled?
• When should I buy a commercial auto policy?
• Does my policy cover me when driving someone else’s vehicle?
• Does my insurance cover a custom paint job?
• Am I covered when pulling a rental trailer?
• Does my car insurance cover rental cars?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage information

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto liability insurance

This protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as emergency aid, loss of income, funeral expenses, attorney fees and medical services. How much coverage you buy is your choice, but you should buy as much as you can afford.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from getting keyed, hitting a bird and a broken windshield. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision protection

This will pay to fix damage to your R/V 3500 Series resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, sideswiping another vehicle, crashing into a ditch, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, doctor visits, ambulance fees, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote more. Save more.

Budget-conscious 1991 GMC R/V 3500 Series insurance can be bought on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide rates over the internet and many times these regional carriers work with independent agencies.

People leave their current company for a number of reasons such as questionable increases in premium, being labeled a high risk driver, delays in paying claims and unfair underwriting practices. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.

As you quote insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many cases, an insured cut comprehensive coverage or liability limits and learned later that they should have had better coverage. Your objective should be to buy enough coverage for the lowest cost while still protecting your assets.

Additional information can be read on the following sites:

• Understanding your Policy (NAIC.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)