Lower Your 1997 GMC Sierra 1500 Car Insurance Quotes

Searching for lower insurance coverage rates? Consumers have lots of choices when looking for low-cost GMC Sierra 1500 insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to get rate quotes.

There are more efficient ways to compare insurance coverage rates so you’re going to learn the best way to compare rates for a GMC and locate the lowest price from both online companies and local agents.

If you are insured now or are looking for a new policy, you can use this information to cut your premiums and still get good coverage. The purpose of this post is to familiarize you with the best way to quote coverages and some tricks to saving. Drivers just need to learn how to compare prices online.

Save money with discounts

Car insurance is not cheap, but there are discounts available that many consumers don’t even know exist. Most are applied when you quote, but some discounts are required to be asked for before being credited.

• Lower Rates for Military – Being deployed with a military unit may lower your rates slightly.
• Early Signing – Select companies give a discount for signing up before your current coverage expires. This discount can save up to 10%.
• Multiple Cars – Insuring all your vehicles on a single policy qualifies for this discount.
• Accident Forgiveness Coverage – Not a discount per se, but companies like Liberty Mutual and Geico will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a set time period.
• Accident Free – Good drivers with no accidents pay much less when compared with frequent claim filers.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school or through a local driver safety program.
• Buy New and Save – Buying auto insurance coverage on a new vehicle can save up to 30% because newer models keep occupants safer.

It’s important to understand that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

Insurance companies who may offer these discounts include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

It’s a good idea to ask each company how you can save money. Discounts might not be offered everywhere. To view insurance companies offering auto insurance discounts, click here.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions might help in determining whether or not you will benefit from professional help.

• Will filing a claim cost me more?
• Should I carry comprehensive and collision coverage?
• Do I need more liability coverage?
• Should I get collision insurance on every vehicle?
• Is my babysitter covered when using my vehicle?
• Do I have newly-aquired coverage?
• Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

But they said I’d save $417 a year!

Consumers can’t get away from ads that promise big savings for switching from companies such as Allstate and Progressive. All the companies make the point that people will save just by switching to their company.

How does every company cost less than your current company? You have to listen carefully.

Companies look for specific characteristics for the type of customer that will not have excessive claims. For instance, a driver they prefer might be described as over age 30, insures multiple vehicles, and drives newer vehicles. Anybody that meets those criteria receives the best rates and most likely will save a lot if they switch.

Potential customers who do not fit this ideal profile must pay higher rates which usually ends up with business not being written. If you pay attention, the ads say “people that switch” not “all people who quote” save that much money. That is how insurance companies can confidently make it sound like they have such great premium rates.

Because of the profiling, it’s extremely important to do a quote comparison often. It’s impossible to know which insurance companies will have the lowest rate quotes.

Insurance coverages explained

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your GMC Sierra 1500.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

Liability insurance provides protection from damage that occurs to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for surgery, ambulance fees, X-ray expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Be a Smart Shopper

People change insurance companies for a variety of reasons including poor customer service, policy non-renewal, not issuing a premium refund and extreme rates for teen drivers. It doesn’t matter what your reason, finding the right insurance provider can be easier than you think.

We’ve covered a lot of information how to compare 1997 GMC Sierra 1500 insurance rates online. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. You may even discover the biggest savings come from an unexpected company.

When searching for cheap insurance coverage quotes, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability coverage limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

Additional insurance information can be found on the following sites:

• Bodily Injury Coverage (Liberty Mutual)
• How Much are Car Insurance Rates for a GMC Sierra in Colorado Springs? (CSInsure.com)
• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Coverage Information (Progressive Insurance)
• Neck Injury FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)