Lower Your 1993 GMC Sierra 1500 Insurance Cost

Nobody I know looks forward to paying for auto insurance, especially when they are aware that the cost is way too high. Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurance company to get the best rates possible.

You should take the time to do rate comparisons occasionally because insurance prices tend to go up over time. Just because you had the lowest quotes for Sierra coverage on your last policy you can probably find a better rate now. Ignore everything you know about auto insurance because I’m going to teach you one of the best ways to find lower rates on auto insurance.

How to buy insurance online

Most companies like Progressive, Geico, Allstate and State Farm allow consumers to get prices for coverage directly from their websites. This process is easy for anyone as all you need to do is type in your required coverages as detailed in the form. Upon sending the form, the system requests your credit score and driving record and generates a price. This makes it simple to compare prices but the process of having to visit different websites and type in the same information is a big time waster. But it’s very important to have as many quotes as possible if you are searching for better prices.

An easier way to locate the lowest prices requires only one form to get prices from several companies at one time. The form is fast, reduces the work, and makes online shopping much simpler. After your information is entered, your coverage is rated and you are able to buy any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process only takes a few minutes and could lower your rates considerably.

To quickly find out what other companies charge, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you type in as close as possible to your current policy. Using the same limits helps guarantee you are getting a price comparison for exact coverage.

These discounts can lower auto insurance rates

Car insurance can cost a lot, but you may be missing some discounts to help offset the cost. Certain discounts will be applied when you complete an application, but less common discounts must be requested specifically in order for you to get them.

• No Claim Discounts – Good drivers with no accidents pay much less when compared with drivers who are more careless.
• Lower Rates for Military – Being deployed with a military unit may lower your prices slightly.
• Discount for Life Insurance – Some auto insurance companies give a lower price if you buy a life insurance policy as well.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you may reduce your total bill.
• Theft Prevention System – Cars equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.

We need to note that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride.

Companies and some of their more popular discounts can be read below.

• Geico discounts include emergency military deployment, five-year accident-free, air bags, driver training, military active duty, and multi-policy.
• Mercury Insurance may have discounts that include ease of repair, type of vehicle, multi-car, accident-free, age of vehicle, and location of vehicle.
• Farmers Insurance offers premium reductions for early shopping, electronic funds transfer, good student, homeowner, and alternative fuel.
• Auto-Owners Insurance has discounts for student away at school, safe vehicle, good student, anti-theft, air bags, and group or association.
• Liberty Mutual has savings for preferred payment discount, hybrid vehicle, good student, multi-car, and new vehicle discount.
• SAFECO may offer discounts for safe driver, homeowner, teen safe driver, bundle discounts, and anti-lock brakes.
• Progressive may include discounts for online quote discount, homeowner, good student, multi-policy, and multi-vehicle.
• USAA includes discounts for good student, vehicle storage, annual mileage, multi-policy, and new vehicle.

When quoting, ask every company the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your area. To choose providers that can offer you the previously mentioned discounts, click this link.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help highlight if your situation may require specific advice.

• Is a blown tire covered by insurance?
• Can I get a multi-policy discount?
• When should I drop full coverage on my 1993 GMC Sierra 1500?
• What are the best liability limits?
• Is business equipment covered while in my vehicle?
• What can I do if my company denied a claim?
• If my pet gets injured in an accident are they covered?
• Does my policy pay for OEM or aftermarket parts?
• Do I need medical payments coverage since I have good health insurance?
• Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Learning about specific coverages of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Sierra 1500.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, EMT expenses and prosthetic devices. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover 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

Collision coverages – This pays for damage to your Sierra 1500 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, rolling your car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive protection – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This coverage can cover damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. 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 can pay for things like court costs, repair bills for other people’s vehicles, pain and suffering and attorney fees. How much coverage you buy is up to you, but you should buy as much as you can afford.