1991 GMC Sierra 3500 Car Insurance Quotes – 7 Discounts for Best Rates

High-priced auto insurance can bottom out your savings account and make it tough to pay other bills. Due to the large number of choices of insurance companies, it can be hard to find the lowest cost auto insurance company.

Buying more affordable coverage is simple if you know the tricks. If you have a current insurance coverage policy or need a new policy, you can use this information to cut your premiums while maximizing coverage. Vehicle owners just need to learn the proper methods to shop on the web.

Seven discounts for cheap auto insurance rates

Auto insurance is not cheap nor is it fun to buy but you may find discounts that you may not even know about. A few discounts will be applied at the time you complete a quote, but once in a while a discount must be asked for before they will apply. If you do not double check each discount you deserve, you are just wasting money.

• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
• 55 and Retired – If you’re over the age of 55, you may be able to get a slight reduction on a car insurance quote on Sierra coverage.
• Multiple Policy Discount – If you insure your home and vehicles with one company they may give you a discount of as much as 10 to 15 percent.
• Accident Forgiveness – This one isn’t a discount, but companies like Progressive, Allstate, and Geico will let one accident slide without getting socked with a rate hike if you are claim-free for a specific time period.
• Discount for Home Ownership – Owning a house can save you money because it means you have a higher level of financial diligence.
• Driver Safety – Passing a safe driver course could earn you a small percentage discount if you qualify.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts as much as 30%.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that may offer quotes with some of the discounts shown above include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Double check with all the companies which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of providers that can offer you the previously mentioned discounts, click here.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out whether or not you would benefit from an agent’s advice.

• Are rock chip repairs covered?
• Do I need motorclub coverage?
• When should I drop full coverage on my 1991 GMC Sierra 3500?
• At what point should I drop full coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does my policy cover my teen driver if they drive my company car?
• What if I don’t agree with a claim settlement offer?
• Is a new car covered when I drive it off the dealer lot?
• What is medical payments coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Car insurance coverages 101

Having a good grasp of your car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, scraping a guard rail, backing into a parked car, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive car insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for rehabilitation expenses, ambulance fees and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability – Liability insurance protects you from damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like pain and suffering, emergency aid and medical expenses. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra 3500.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Better coverage you can count on

Cost effective 1991 GMC Sierra 3500 insurance can be sourced online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide internet price quotes and these regional insurance providers only sell coverage through independent agents.

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. In many cases, an insured dropped uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

More tips and info about auto insurance is available at these sites:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• How Much are Auto Insurance Rates for a GMC Sierra in Mesa? (MesaInsure.com)
• Rental Reimbursement Coverage (Allstate)
• Side Impact Crash Tests (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Red Light Cameras (State Farm)