View 1993 GMC Sonoma Car Insurance Quotes

Want cheaper car insurance rates for your GMC Sonoma? Comparing car insurance quotes online can be challenging if you are someone who has never done online quotes. Don’t let the process intimidate you because finding affordable coverage online is easier than you think.

It’s a good idea to get comparison quotes quite often because car insurance prices tend to go up over time. Just because you found the best deal on Sonoma coverage a few years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re going to learn the fastest and easiest way to properly buy coverages and cut your premium.

Car insurance rates and discounts

Car insurance is not cheap, but you may find discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be specially asked for prior to receiving the credit.

• Discounts for Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Sonoma coverage as compared to drivers with claims.
• Anti-theft System – Cars and trucks with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Multiple Policy Discount – If you have multiple policies with the same company you could save 10% to 20% off each policy.
• Multi-Vehicle Discounts – Having more than one vehicle with one company can reduce rates for all insured vehicles.
• Own a Home and Save – Owning a house may trigger a policy discount on car insurance since home ownership is proof of financial responsibility.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Organization Discounts – Being in a qualifying organization may earn a discount on car insurance.

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think you could get a free car insurance policy, you won’t be that lucky. Any amount of discount should definitely cut the amount you have to pay.

A list of car insurance companies and some of their more popular discounts are included below.

• Mercury Insurance has discounts for good driver, type of vehicle, multi-policy, annual mileage, location of vehicle, and professional/association.
• Farmers Insurance may offer discounts for pay in full, business and professional, youthful driver, electronic funds transfer, good student, and homeowner.
• Farm Bureau offers discounts including safe driver, good student, renewal discount, 55 and retired, and youthful driver.
• State Farm includes discounts for safe vehicle, Steer Clear safe driver discount, good student, passive restraint, and student away at school.
• Allstate offers discounts for good payer, auto/life discount, FullPay discount, teenSMART discount, farm vehicle, and safe driver.
• Geico policyholders can earn discounts including multi-policy, five-year accident-free, good student, driver training, and anti-lock brakes.

Before you buy a policy, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts might not be offered on policies in your area. To see car insurance companies that provide some of the discounts listed above, click here to view.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

For example, these questions may help highlight if you could use an agent’s help.

• What exactly is covered by my policy?
• Will filing a claim cost me more?
• Is my teenager covered with friends in the car?
• At what point should I drop full coverage?
• What is PIP insurance?
• How high should my medical payments coverage be?
• Do all my vehicles need collision coverage?
• Is my ex-spouse still covered by my policy?
• Do I need motorclub coverage?
• Are my friends covered when driving my car?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Slick advertising tricks that work

Big name companies like Allstate and Progressive regularly use ads in print and on television. They all seem to convey the message that you’ll save big just by switching your coverage. How is it plausible that every one can offer drivers better rates? Just pay attention to how they say it.

Companies have specific guidelines for the type of driver that will be a good risk. A good example of a profitable risk profile might be a female over age 40, has no prior claims, and drives a vehicle with a low ISO rating. Someone who fits those characteristics receives the best car insurance rates and most likely will cut their rates if they switch.

Potential insureds who cannot meet this ideal profile will be charged a higher premium with the end result being the customer buying from someone else. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save the amount stated. That’s the way companies can make it sound like they have such great prices. Because every company is different, drivers should get as many free car insurance quotes as possible. Because you never know which insurance company will have the lowest rates.

Auto insurance 101

Knowing the specifics of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, hitting a bird, vandalism, rock chips in glass and falling objects. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your GMC Sonoma.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as repair costs for stationary objects, loss of income, attorney fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage protection

This coverage will pay to fix damage to your Sonoma from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, rolling your car, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like pain medications, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

In Summary

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage to discover at claim time they didn’t have enough coverage. Your goal is to purchase plenty of coverage at the best possible price while still protecting your assets.

Consumers leave their current company for many reasons like unfair underwriting practices, extreme rates for teen drivers, policy non-renewal and even poor customer service. Regardless of your reason, finding the right insurance coverage provider is less work than it seems.

Budget-conscious 1993 GMC Sonoma insurance is attainable online and from local agencies, so you need to shop car insurance with both in order to have the best chance of saving money. Some insurance coverage companies may not offer the ability to get quotes online and usually these small, regional companies sell through local independent agencies.

For more information, take a look at the resources below:

• Airbag FAQ (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)