Compare 1991 GMC Sierra 1500 Car Insurance Rates

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.

Discounts for cheap auto insurance quotes

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.

• Low Mileage Discounts – Fewer annual miles on your GMC could be rewarded with lower auto insurancerates due to less chance of an accident.
• College Student Discount – Kids who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
• Discount for Life Insurance – If the company offers life insurance, you could get lower prices if you buy auto and life insurance together.
• Bundled Policy Discount – If you can combine your auto and homeowners policy with the same company you may earn 10% to 20% off each policy.
• Government Employee Discount – Active or former government employment can earn a discount up to 10% on Sierra coverage with some auto insurance companies.
• Good Student – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. The discount lasts well after school through age 25.
• Driver Education Discount – Teen drivers should participate in a local driver’s education class if offered at their school.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Sierra coverage.
• Safe Driver Discounts – Safe drivers may receive a discount up to 45% on Sierra coverage compared to rates paid by drivers with frequent claims.
• Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can receive discounts up to 30%.

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:

• Geico may include discounts for five-year accident-free, multi-policy, anti-theft, defensive driver, anti-lock brakes, and driver training.
• Auto-Owners Insurance discounts include multi-policy, multiple vehicles, safe vehicle, paperless, and anti-theft.
• American Family may offer discounts for bundled insurance, early bird, multi-vehicle, air bags, and Steer into Savings.
• Esurance policyholders can earn discounts including multi-policy, good student, paid-in-full, multi-car, renters, anti-lock brakes, and claim free.
• Progressive offers discounts including multi-policy, multi-vehicle, online signing, online quote discount, and continuous coverage.
• State Farm includes discounts for driver’s education, defensive driving training, passive restraint, Steer Clear safe driver discount, multiple policy, anti-theft, and accident-free.
• AAA has savings for good driver, multi-policy, anti-theft, pay-in-full, AAA membership discount, education and occupation, and good student.

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.

You may need specialized insurance coverage

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.

• When do I need to add a new car to my policy?
• Do I need to file an SR-22 for a DUI in my state?
• Does car insurance cover theft of personal property?
• Are all vehicle passengers covered by medical payments coverage?
• Is extra glass coverage worth it?
• Can I rent a car in Mexico?
• How much liability do I need to cover my assets?

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.

Don’t be fooled by advertising claims

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.

Auto insurance coverages

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.

Don’t break the bank

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.

Other resources

• How to Avoid Staged Accidents (State Farm)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)