1991 GMC Sierra 2500 Car Insurance Quotes

Feeling guilty for buying an expensive auto insurance policy? It’s quite common and you are not the only one feeling buyer’s remorse. Vehicle owners have many insurance companies to buy insurance from, and although it’s nice to have a selection, it can be more difficult to compare rates and cut insurance costs.

Get cheaper car insurance with discounts

Car insurance is not inexpensive, but you may be missing some discounts to help bring down the price. Some of these disounts will be visible when you complete an application, but some may not be applied and must be manually applied before being credited.

• Early Switch Discount – Select car insurance companies give a discount for switching companies before your current policy expires. The savings is around 10%.
• Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• ABS Brakes – Cars and trucks equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
• Own a Home and Save – Just owning your own home can earn you a little savings since owning and maintaining a home shows financial diligence.
• Senior Citizen Rates – If you’re over the age of 55, you could receive a small discount on rates for Sierra coverage.

You can save money using discounts, but most credits do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So even though you would think all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will lower your policy cost.

Large car insurance companies and their possible discounts can be found below.

• Progressive has savings for online quote discount, continuous coverage, good student, multi-policy, and online signing.
• SAFECO may have discounts that include bundle discounts, anti-lock brakes, anti-theft, drive less, multi-car, teen safe driver, and teen safety rewards.
• American Family discounts include good student, accident-free, TimeAway discount, good driver, mySafetyValet, air bags, and early bird.
• MetLife policyholders can earn discounts including multi-policy, defensive driver, good student, claim-free, accident-free, and good driver.
• Geico offers discounts for five-year accident-free, multi-policy, daytime running lights, emergency military deployment, good student, military active duty, and anti-theft.
• The Hartford has discounts for anti-theft, bundle, defensive driver, air bag, and good student.

When quoting, ask each insurance company which credits you are entitled to. Some of the earlier mentioned discounts may not be available in every state. For a list of insurers who offer cheap car insurance quotes, click here.

How to compare insurance coverage quotes

Most of the larger companies like Allstate, Geico and Progressive make it easy to get prices for coverage online. The process can be done by anyone as you just type in your coverage preferences into the form. Once entered, their quoting system requests your credit score and driving record and returns pricing information based on the data you entered. Online quotes makes it a lot easier to compare rates but the process of having to visit several different sites and type in the same data can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step if you want to find better insurance coverage pricing.

Quote rates the easy way

A more efficient way to find lower prices is to use a quote form that gets price quotes from several different companies. The form is fast, requires much less work on your part, and makes rate comparisons much easier. Immediately after you send the form, it is quoted and you can choose any one of the returned quotes.

If you find a better price you can simply submit the application and buy the policy. The whole process only takes a few minutes and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter your coverages identical to your current policy. Doing this assures you’re receiving a price comparison based on similar coverages.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover if your insurance needs could use an agent’s help.

• How much can I save by bundling my policies?
• Do I need replacement cost coverage on my 1991 GMC Sierra 2500?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Does having multiple vehicles earn me a discount?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I insured when driving a different vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• When would I need rental car insurance?
• Is my trailer covered?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for ambulance fees, funeral costs, nursing services and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability

Liability insurance provides protection from damage or injury you incur to other’s property or people. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, emergency aid and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, hitting a mailbox, crashing into a ditch, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism, damage from flooding, a tree branch falling on your vehicle and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your GMC Sierra 2500.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Saving money is sweet as honey

Budget-friendly insurance coverage is definitely available from both online companies as well as from insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some companies do not provide the ability to get quotes online and these smaller companies provide coverage only through independent insurance agents.

We covered a lot of tips how to shop for 1991 GMC Sierra 2500 insurance online. The key concept to understand is the more times you quote, the better likelihood of getting cheaper car insurance. Consumers could even find that the lowest prices come from a small local company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Geico and State Farm.

Helpful learning opportunities

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• How Much are Car Insurance Quotes for a GMC Sierra in Riverside? (QuoteRiverside.com)
• Liability Insurance Coverage (Nationwide)
• Event Data Recorders FAQ (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)