1998 GMC Sierra 3500 Car Insurance Cost – 8 Policy Discounts

Trying to find cheaper insurance rates for your GMC Sierra 3500? Vehicle owners who are new to shopping for auto insurance online can find sourcing inexpensive auto insurance can be quite challenging.

It’s smart to get comparison quotes on a regular basis since insurance prices are adjusted regularly by insurance companies. Even if you got the best quotes for Sierra insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. Nevertheless, vehicle owners do need to learn the way insurance companies sell online and take advantage of how the system works.

Affordable auto insurance price quotes

All major auto insurance companies give insurance quotes directly from their websites. Getting online quotes is fairly simple as you simply type in the amount of coverage you want on the page. After you complete the form, the quote system makes automated requests for information on your driving record and credit history and generates a price based on these factors.

Online quotes streamlines rate comparisons, but the work required to visit a lot of sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to get a better rate.

A less time-consuming method to get multiple rate quotes utilizes a single form that gets prices from a bunch of companies at once. It saves time, eliminates repetitive work, and makes comparison shopping much easier. Immediately after you send the form, it is quoted and you can select any of the pricing results. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To find out if lower rates are available, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you input the insurance coverages just like they are on your policy. This makes sure you will have an apples-to-apples comparison based on identical coverages.

Insurance coverage in the media

Respected companies like Allstate, Geico and Progressive regularly use television, radio, and online ads. They all tend to make the same promise about saving some big amount after switching your insurance coverage policy to them. How does each company give you a lower rate? It’s all in the wording.

Insurance companies have a preferred profile for the driver that will most likely be profitable. For instance, this type of driver should be between the ages of 40 and 55, has never had a policy lapse, and has excellent credit. Any customer who matches that profile receive the lowest rate quotes and have a good chance to cut their rates substantially.

Potential customers who are not a match for the requirements must pay more expensive rates which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “people who switch” not “everybody who quotes” can save as much as they claim. That is how companies can make claims like that. Because of these techniques, you really should get auto insurance quotes from several different companies. It’s just too difficult to predict which company will provide you with the cheapest premium rates.

Car insurance policy discounts

Car insurance can be pricey, but you may qualify for discounts to help offset the cost. Some trigger automatically at the time of quoting, but less common discounts must be specially asked for before you get the savings.

• Good Student – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay less compared to drivers with a long claim history.
• ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
• Low Miles Discount – Maintaining low annual mileage may allow you to get discounted prices on garaged vehicles.
• Federal Employees – Simply working for the federal government could cut as much as 10% off for Sierra insurance but check with your company.
• Distant College Student Discount – Kids who attend college more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
• Online Discount – Certain larger companies give back up to $50 for buying your policy over the internet.
• Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, you won’t be that lucky.

A few popular companies and a partial list of their discounts are shown below.

• Mercury Insurance policyholders can earn discounts including low natural disaster claims, annual mileage, ease of repair, multi-policy, and good student.
• Farmers Insurance has discounts for electronic funds transfer, early shopping, business and professional, multi-car, bundle discounts, switch companies, and mature driver.
• Farm Bureau may offer discounts for multi-policy, good student, youthful driver, multi-vehicle, driver training, renewal discount, and safe driver.
• State Farm includes discounts for student away at school, accident-free, safe vehicle, driver’s education, passive restraint, and multiple autos.
• Allstate may include discounts for new car, anti-lock brakes, premier discount, teenSMART discount, farm vehicle, and multi-policy.
• Geico has savings for anti-theft, membership and employees, multi-vehicle, five-year accident-free, and defensive driver.

When quoting, ask all the companies which discounts can lower your rates. A few discounts may not apply to policies everywhere. To find providers that have a full spectrum of discounts, click here to view.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation would benefit from an agent’s advice.

• Is there coverage for injuries to my pets?
• When would I need additional glass coverage?
• When can I cancel my policy?
• Am I covered when pulling a rental trailer?
• Am I covered when driving on a suspended license?
• Is my nanny covered when driving my vehicle?
• Is pleasure use cheaper than using my 1998 GMC Sierra 3500 to commute?
• Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage basics

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your GMC Sierra 3500.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, damage from getting keyed and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, pain medications, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability – This coverage will cover damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like medical services, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision – This will pay to fix damage to your Sierra 3500 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Shop Smart and Save

As you prepare to switch companies, never skimp on coverage in order to save money. There are many occasions where someone dropped liability coverage limits only to discover later that it was a big error on their part. Your focus should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

People switch companies for many reasons like questionable increases in premium, lack of trust in their agent, not issuing a premium refund and poor customer service. Whatever your reason, finding a new auto insurance company can be easy and end up saving you some money.

Some auto insurance companies may not provide the ability to get a quote online and usually these smaller companies work with local independent agencies. Cheap 1998 GMC Sierra 3500 insurance can be bought online as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

Much more information about auto insurance can be found at these links:

• Learn About Car Insurance (Geico)
• Who Has Cheap Oklahoma City Auto Insurance for a GMC Sierra? (AutoGuardOKC.com)
• Teen Driving Statistics (Geico)
• Property Damage Coverage (Liberty Mutual)
• Where can I buy Insurance? (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)