Trying to find better auto insurance rates for your GMC Sierra 1500? Getting discount auto insurance online can appear to be challenging for drivers new to comparing prices on the internet. With such a large number of agents and insurance companies available, how are drivers able to effectively compare them all to find the lowest price?
Consumers need to compare rates as often as possible because prices tend to go up over time. If you had the lowest price on Sierra coverage at your last renewal you can probably find a better rate quote now. Forget all the misinformation about auto insurance because you’re about to find out one of the best ways to reduce your cost while improving coverage.
Not many people think insurance is cheap, but there’s a good chance there are discounts that you may not even be aware of. Some discounts apply automatically at quote time, but less common discounts must be requested specifically before they will apply. If you do not check that you are getting every discount available, you’re paying more than you need to.
Consumers should know that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you won’t be that lucky.
A few of the larger companies and the discounts they provide are:
If you are trying to find cheap insurance coverage quotes, ask all the companies to give you their best rates. A few discounts may not apply to policyholders in your area. To see a list of insurers that offer many of these discounts, follow this link.
When buying the best insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.
For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.
If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.
Big name companies like Progressive, Allstate and Geico consistently run television and radio advertisements. They all advertise the message about how much you will save after switching to them. It sounds good, but how can they all offer you a better deal?
All the different companies quote their best rates for the type of driver that will add to their bottom line. A good example of this type of driver may be between the ages of 40 and 55, carries full coverage, and has excellent credit. A customer who fits those characteristics will get a cheap rate quote and is almost guaranteed to save quite a bit of money when switching.
Potential insureds who are not a match for these criteria may receive higher prices and this can result in the customer buying from someone else. The wording the ads use say “people that switch” but not “all drivers who get quotes” save that much. That’s why companies can make those claims. This really drives home the point why it is so important to quote coverage with many companies. It’s just not possible to know with any certainty which company will provide you with the cheapest car insurance rates.
Having a good grasp of your car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, rehabilitation expenses, funeral costs, pain medications and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your GMC Sierra 1500.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.
Liability coverage
This coverage will cover damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability can pay for things like medical expenses, loss of income, repair bills for other people’s vehicles, court costs and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.
Comprehensive coverages
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like theft, hail damage and a broken windshield. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision insurance
This will pay to fix damage to your Sierra 1500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like sideswiping another vehicle, hitting a mailbox, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.
Insureds change insurance companies for many reasons like unfair underwriting practices, being labeled a high risk driver, not issuing a premium refund and questionable increases in premium. It doesn’t matter what your reason, choosing a new company can be less work than you think.
We just showed you many tips how you can compare 1991 GMC Sierra 1500 insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even discover the best prices are with a smaller regional carrier.
When trying to cut insurance costs, you should never reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to find out that the savings was not a smart move. Your goal is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.
Berenice Wynn
I found pretty cheap rate quotes for a 1991 GMC Sierra 1500 in Chicago, Illinois. Ended up at right around $90 every six months with American Family. Was with AIG Insurance. It was easy to get rates. Just liability coverage since it’s getting old.
Marge Forbes
Hope my rates come down. I live just outside South Burlington, VT. Not sure of all the companies but I ended up saving about $20 each month. Left Safeco to switch. Thankfully I have a good driving record. Still almost need a second mortgage.
Natashia Fitzgerald
All companies are crooks. I’m in Rapid City, South Dakota. Quoted quotes from 21st Century, Amica, and some I forget for my Sierra 1500 and am saving around $60 a year. Switched homeowners coverage too. Not worth enough to pay for comprehensive and collision.
Marlys Silva
I was with The General last year but switched to Progressive. From east side of Springfield, Missouri. Was with GMAC. They offer free online rate quotes. Liability only on my Sierra 1500.
Erminia Talley
If you have a good history and are close to Jacksonville, Florida, check out 21st Century. They seem to be cheaper. Was with Safeco. Even increased coverage a bit. When should I drop full coverage?
Samira Rasmussen
Live in Buffalo, NY. Compared quite a few companies. Saved right around $10 a month. GEICO was the most affordable for me. I think they have home insurance too. I used their online quote form to compare rates. I only have liability coverage on it.
Winford Zimmerman
I’m in the suburbs of Anchorage, AK. I got free rates from Hartford, Amica, Mercury, and a couple others for my GMC and saved just over $80 a year. Got better coverage too. I quoted rates online then called them. My GMC doesn’t have full coverage.
Fanny Beard
I went with Allstate at renewal. Best rates in Grand Rapids, MI. Insured with American Family before. Can still barely afford it.
Columbus Mcconnell
I live in a small town just outside of Atlanta, Georgia. Got quotes from USAA, American Family, Hanover, and MetLife for my 1991 GMC Sierra 1500 and saved about $110 a year. Thankfully I have a good driving record. Hardly afford to drive anymore. I dropped full coverage awhile back.
Annis Buchanan
Allstate was cheapest for my 1991 GMC Sierra 1500 in Salem, Oregon.
Lauren Evans
Cheap is relative. I live just outside Salem, OR. Not sure of all the companies but I ended up saving about $30 each month. I’m a pretty good driver though.
Celia Chapman
Just my two cents. I live just to the east of Bridgeport, CT. Compared quite a few companies. Saved roughly $30 a month. Allstate was the most affordable for me. Next renewal I’ll just do liability.
Kathrin Mercer
Got pretty cheap 1991 GMC Sierra 1500 insurance from Allstate in Chicago, Illinois.
Vanetta Terrell
Lots of useful info here. I’m in the west part of Portland, ME. I quoted with Auto-Owners, Encompass, and Sentry for my GMC and saved around $80 a year. I increased coverages a little too. Liability only on my Sierra 1500.