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UPDATED: Mar 13, 2020
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Insurance companies have several reasons that they charge high premiums for GMC car insurance based on demographics. When people apply for GMC car insurance with them, they seek to find out if these people belong within any of these demographics. If they do, they will be quoted high rates for their auto insurance. Find cheap car insurance quotes for FREE with our ZIP code search! Enter your ZIP code and compare car insurance companies INSTANTLY!
People can do something to keep from being charged the highest rates; they can visit a comparison website. All you have to do is enter your ZIP code into our search, and we will find the best car insurance companies for you! Then you pick your company, and they will give their personal information such as:
- How Often the Car is Driven
- Where the Car is Driven
- Model and Make of Vehicle
- Type of Coverage Desired
Once people give all of the required information, the insurance companies will offer the type of coverage that is being requested for GMC car insurance. The applicants only have to enter all of their information one time.
The car insurance quotes that people receive can be radically different. One company may offer a policy for hundreds of dollars less than another company for the same exact coverage. The applicants can take the best quotes they receive and call these insurance companies to inquire if they can receive any discounts for their GMC car insurance.
The first thing that car insurance websites ask of their clients is for their zip codes. The zip codes tell insurance companies several things about how high a risk a particular applicant will be to have an accident or to have a vehicle stolen. For example, the zip code the applicant currently lives in may have been registered as the zip code that has a high rate of accidents on its roads.
The zip code will also tell the insurance company how many times vehicles are stolen in the area. Some areas are notorious for having several vehicles fall victim to being vandalized. If the vehicle is being parked in these zip codes, the insurance company rates these applicants as a high risk.
Where the car is being driven also plays a role in pricing GMC car insurance. People who live in low risk zip codes may often drive into higher risk zip codes. They may spend several hours on the road commuting to work. More time spent on the road means more chances to be involved in a car collision, and insurance companies see this as a higher risk. One should check how insurance companies quote certain car insurance by make and model.
Solutions to the Zip Code Problem
At the time that people are calling potential insurance companies based on the quotes they received from comparison shopping, they must ask if there is a car insurance discount for driving a vehicle that is not stolen as often as others. None of the GMC vehicles are on the top ten list of most often stolen vehicles, so GMC car insurance should be offered at a much lower rate than it would be for the number one stolen car which is the 1994 Honda Accord.
Another way to receive better rates for GMC car insurance is to install anti-theft devices in the vehicle. If the car is being parked on the street, insurance companies consider this as increasing the risk of being stolen or vandalized in a high risk area, but if the applicant can inform the insurance agent that there are anti-theft devices within the vehicles, they may receive a discount.
Installing anti-theft devices impresses the insurance company, but if the applicants can park their GMC vehicles in a garage, the insurance companies will have further reasons to offer these car and truck owners discounts. Private garages are seen as safer places to store a vehicle at night than on the street or in the driveway.
GMC Cars and Trucks Cost Less to Repair
A vehicle that is highly expensive is a vehicle that will be very costly to repair. Sports car often fall onto this list and insurance companies know that they will be required to pay a lot more money to repair a sports car than a sedan. They also know that if the car is considered to be a total loss, it will be expensive to pay the policyholder the market value of the vehicle.
Sports cars can cost hundreds of thousands of dollars, but GMC vehicles are much less expensive. For example, the GMC Terrain is only $24,500 and the GMC Acadia can be found for $32,000. The low prices on these vehicles allow for the GMC Acadia and GMC Terrain car insurance to have much lower premiums for GMC car insurance than the sports car.
Sports cars are also not considered to be the safest vehicles that are being driven on the roads at the moment, but vehicles that were created with safety in mind sustain less damage. This is the other reason that sports cars are given the highest rates; when people have crashes in these cars; the damage is often very extensive.
On the other hand, GMC’s SUVs and trucks have been designed to withstand a car collision very well resulting in fewer injuries and less damage to the vehicles. With safer vehicles, insurance companies can expect to pay less for claims filed for bodily injuries and to repair the vehicles and, therefore, GMC car insurance can be offered for lower rates.
Comparison Shopping Taken One Step Further
Comparison shopping doesn’t end after the applicants receive their quotes. They still have a little work to do themselves when they call these companies. They must seek to lower their insurance premiums as much as they can by asking these companies about their discounts. But comparison shopping takes most of the hassle out of finding the best GMC car insurance quotes. Enter your ZIP code and find auto insurance quotes for FREE!