Lower Your 1990 GMC Sierra 1500 Insurance Quotes

Are you intimidated by the wide range of insurance choices in your area? consumers have so many choices that it can really be a difficult challenge to find better prices.

Smart buyers can reduce insurance rates

Smart consumers have a good feel for some of the factors that come into play when calculating the price you pay for auto insurance. If you know what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to cheaper rates. Lots of things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other factors are more obscure such as your marital status or your vehicle rating.

Shown below are some of the items companies use to determine your premiums.

  • Good drivers pay less – Even a single moving violation can increase rates by as much as twenty percent. Attentive drivers get better prices as compared to those with violations. Drivers unfortunate enough to have severe citations such as DUI or willful reckless driving may be required to complete a SR-22 with the DMV in their state in order to continue driving.
  • Too many policy claims drive up premiums – Companies generally give the lowest premiums to insureds who file claims infrequently. If you are a frequent claim filer, you can look forward to higher rates. Auto insurance is designed for claims that pose a financial burden.
  • Your address can push rates up or down – Being located in less populated areas is a good thing when insuring your vehicles. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers regularly have more aggressive driving styles and more severe claims. Spending more time driving means higher likelihood of an accident.
  • Defend yourself with liability insurance – Your auto insurance policy’s liability coverage kicks in if ever a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not cut corners here.
  • Single drivers may have higher costs – Walking down the aisle may save some money on your policy. Having a spouse means you’re more mature and it’s proven that married drivers tend to file fewer claims.
  • Never have coverage lapses – Driving any period of time without insurance is a misdemeanor and companies may charge more for letting your coverage lapse. Not only will you pay more, getting caught without coverage can result in a steep fine or even jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Save with these discounts

Insurance can be prohibitively expensive, but you may qualify for discounts that you may not know about. Some discounts apply automatically when you quote, but lesser-known reductions have to be asked for before they will apply.

  • Discount for Passive Restraints – Vehicles with factory air bags can get savings as much as 30%.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount on your next car insurance statement.
  • Sign Online – A few larger companies will discount your bill up to fifty bucks simply for signing on your computer.
  • Telematics Data Discounts – People who choose to allow driving data submission to look at driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance in addition to your auto policy.

Remember that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, it doesn’t quite work that way.

Popular car insurance companies and a partial list of their discounts are outlined below.

  • State Farm offers discounts including defensive driving training, good driver, passive restraint, Drive Safe & Save, safe vehicle, good student, and student away at school.
  • Esurance may offer discounts for multi-policy, homeowner, multi-car, DriveSense, renters, Pac-12 alumni, and safety device.
  • Progressive discounts include online quote discount, multi-vehicle, homeowner, online signing, multi-policy, good student, and continuous coverage.
  • Liberty Mutual may include discounts for newly married, newly retired, safety features, new move discount, and new vehicle discount.
  • Auto-Owners Insurance includes discounts for anti-theft, anti-lock brakes, group or association, paperless, paid in full, and teen driver.
  • Geico may have discounts that include good student, defensive driver, driver training, anti-lock brakes, and multi-policy.

If you are trying to find low cost car insurance quotes, ask each company or agent which discounts can lower your rates. Some discounts listed above might not be offered in your area. If you would like to see a list of car insurance companies that have a full spectrum of discounts, click here to view.

Special considerations

When it comes to buying adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my 1990 GMC Sierra 1500 covered for smoke damage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is high-risk coverage and where do I buy it?
  • How much liability do I need to cover my assets?
  • How much can I save by bundling my policies?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability auto insurance

This can cover damage or injury you incur to a person or their property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as funeral expenses, legal defense fees, structural damage, repair costs for stationary objects and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for doctor visits, ambulance fees and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive auto insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, theft and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This pays for damage to your Sierra 1500 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, colliding with a tree, driving through your garage door, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

What is YOUR best insurance company?

People change insurance companies for any number of reasons including being labeled a high risk driver, denial of a claim, unfair underwriting practices and poor customer service. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.

Throughout this article, we presented a lot of ways to shop for 1990 GMC Sierra 1500 insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding cheaper car insurance. Drivers may discover the lowest priced insurance coverage comes from some of the smallest insurance companies.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are many occasions where someone sacrificed physical damage coverage and learned later that it was a big error on their part. Your aim should be to buy enough coverage at the best possible price while not skimping on critical coverages.

To learn more, link through to the following helpful articles:

Comments About 1990 GMC Sierra 1500 Insurance

  1. Denis Morrison

    If you have a good history and are close to Evansville, IN, check out State Farm. They seem to be cheaper. Was with AIG Insurance.

  2. Kasie Ewing

    If you’re a decent driver and live around Raleigh, North Carolina, check out State Farm. You might get cheaper rates. Have a couple speeding tickets too. Online quotes are the way to go.

  3. Viviana Wynn

    I found pretty cheap rate quotes for a 1990 GMC Sierra 1500 in Huntington, WV. Ended up at right around $90 every six months with Amica. Insured with Hartford before. I get lower rates because of my clean driving record. Not sure if rates are cheaper online or through an agent. Not worth enough to pay for comprehensive and collision.

  4. Leslee Gay

    IT’S ALL TOO EXPENSIVE! From south side of Frederick, MD. Quoted prices online for a 1990 GMC Sierra 1500. Ended up at about $70 savings annually. Went with State Farm. Have an at-fault accident tho.

  5. Valencia Mcconnell

    GEICO was cheapest for my 1990 GMC Sierra 1500 in New York City, NY.

  6. Marlo Le

    If you’re a decent driver and are close to Miami, Florida, check out Allstate. You might save some money. I even had a DUI years ago. LOL Book value doesn’t justify full coverage anymore.

  7. Chae Boone

    Not sure if this is cheap. From northwest of Bellevue, Nebraska. Received rates from 21st Century, Auto-Owners, and Farmers for my Sierra 1500 and I think I saved around $30 each month. They were helpful in switching over. Anyone else drop full coverage?

  8. Bebe Hardy

    Will Progressive cancel me for an at-fault accident?

  9. Lia Fleming

    I think I’m paying too much. Found cheapest coverage with Safeco for my GMC and am saving around $90 a year. I don’t have comp or collision coverage.

  10. Becki Aguirre

    Like your site, BTW. Went with Erie for my Sierra 1500 and saved around $80 a year. Left 21st Century to switch. A clean driving record helps. I got prices on the web. Liability only on my Sierra 1500.

  11. Matt Mann

    GEICO and State Farm had the best prices I found in Indiana.

  12. Mirta Rowe

    Anyone know of any company in Reno, NV that will insure high risk drivers?

  13. Gia Pruitt

    Anyone like their agent?

  14. Estell Oneill

    I’m from Salt Lake City, UT. Received rates from Auto-Owners, Encompass, and Nationwide for my Sierra 1500 and saved around $70 a year. Just go online and compare their rates.

  15. Sammie Clark

    What is UM/UIM coverage?

  16. Shawnna Joseph

    If you’re a decent driver and are close to Milwaukee, WI, check out State Farm. They seem to be cheaper. Still almost need a second mortgage. When should I drop full coverage?