Searching for cheaper car insurance rates for your GMC Sierra 2500? There isn’t a single person who fancies paying their premiums for car insurance, especially when they know they are paying too much. Insurance companies such as Allstate, Liberty Mutual and State Farm persitently shower you with fancy advertisements and it can be hard to see through the deception and find the best price available.
Cutting your insurance coverage rates can be relatively painless. You just have to spend a little time comparing rates to find out which insurance company has cheap car insurance quotes. Rate comparisons can be done by using one of the methods below.
The most efficient method to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for a different quote for every insurance coverage company. Completing one form gets insurance cost estimates from many national carriers.
A more difficult way to find lower rates consists of going to the website for every company you want to comare to complete their respective quote request forms. For example, let’s assume you want comparison quotes from USAA, Allstate and GEICO. In order to compare rates, you need to spend time on each company’s site and punch in your information repeatedly, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.
Compare rates however you want, just make darn sure you compare the exact same information for each quote you get. If the quotes have differing limits it will be nearly impossible to find the best deal for your GMC Sierra 2500.
Car insurance is easily one of your largest bills, but there could be significant discounts that can dramatically reduce your bill. Most are applied at quote time, but lesser-known reductions have to be requested specifically prior to getting the savings. If you are not receiving all the discounts available, you’re just leaving money on the table.
As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy.
Some companies that may offer most of the discounts above may include but are not limited to:
Before purchasing a policy, check with each insurance company how you can save money. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To locate providers who offer online car insurance quotes, click this link.
When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine whether your personal situation could use an agent’s help.
If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Having a good grasp of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.
Collision coverage – Collision coverage pays for damage to your Sierra 2500 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as colliding with a tree, hitting a mailbox, driving through your garage door, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, X-ray expenses, ambulance fees and hospital visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Auto liability – Liability coverage protects you from damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.
Liability can pay for things like repair bills for other people’s vehicles, medical services, attorney fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.
Comprehensive auto coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like damage from flooding, fire damage, hail damage, vandalism and a broken windshield. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.