1999 GMC Sierra 1500 Insurance Quotes

Searching for lower auto insurance rates for your GMC Sierra 1500? Did you fall for a flashy sales pitch and buy overpriced auto insurance? You’re preaching to the choir because many consumers feel financially strained by their auto insurance policy. Due to the fact that there are so many options, it is very difficult to find the most affordable insurer.

Buying the cheapest insurance coverage coverage can be fairly easy. If you have a policy now or are looking for a new policy, you can use these tips to find better prices while maintaining coverages. Drivers only need to know the proper way to shop their coverage around online.

Ways to get car insurance quotes

All the larger car insurance companies such as Progressive, Allstate and Geico give coverage prices direct online. This process doesn’t take a lot of time as you just enter the coverages you want as detailed in the form. Upon sending the form, their quoting system obtains your credit score and driving record and provides a quote based on the information you submitted. Online quotes makes it simple to compare prices but the work required to visit each company’s website and repetitively type in the same information is monotonous and tiresome. Unfortunately, it is important to do this in order to find the best price on car insurance.

There is a better way!

The quickest way to lower your car insurance bill uses one simple form that gets price quotes from a lot of companies. It saves time, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. As soon as the form is sent, it gets priced and you can select any or none of the pricing results.

If you find a better price you can simply submit the application and buy the policy. The entire process takes less than 15 minutes and may result in a nice savings.

To compare pricing, click here to open in new window and submit the form. If you currently have coverage, we recommend you enter the coverage information as close as possible to your current policy. This makes sure you will have rate quotes for exact coverage.

Save $404 a year. For real?

Consumers can’t get away from ads for cheaper auto insurance from the likes of Progressive, Allstate and Geico. All the companies convey the message of big savings if you get a free insurance quote and switch to them.

But how can every company offer drivers better rates? It’s all in the wording.

Auto insurance companies quote their best rates for the type of customer that earns them a profit. For example, a profitable customer may be a married female, has a clean driving record, and drives a lower-performance vehicle. Someone that fits those parameters will get low prices and will most likely save quite a bit of money when switching.

Insureds who don’t qualify for this ideal profile will get higher rates and the customer buying from a different company. The ad wording is “people that switch” not “everyone who quotes” save the amount stated. That is how companies can make claims that they all have the best premium rates.

This emphasizes why you really should compare rate quotes every year. It’s not possible to predict the company that will have the best car insurance rates at this point in time.

Earn discounts on insurance

Car insurance can cost a lot, but you can get discounts to help bring down the price. A few discounts will be applied at the time you complete a quote, but lesser-known reductions have to be specially asked for before they will apply. If they aren’t giving you every credit you deserve, you are just wasting money.

• Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you could earn a discount of approximately 10% to 15%.
• Homeowners Savings – Just owning your own home may trigger a policy discount on insurance since owning and maintaining a home demonstrates responsibility.
• Waiver for an Accident – This one is not really a discount per se, but companies like Progressive and Allstate permit an accident without raising rates if you are claim-free for a certain period of time.
• Sign Early and Save – A few companies allow discounts for switching companies before your current policy expires. Ten percent is about the average savings.
• Low Mileage Discounts – Low mileage vehicles could earn lower rates due to less chance of an accident.
• Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you can avoid the installment charge.
• Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
• Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
• Smart Student Discounts – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like you could get a free insurance policy, it’s just not the way it works. Any amount of discount should help reduce the cost of coverage.

Companies and some of the discounts can be read below.

• Geico offers premium reductions for multi-policy, anti-theft, daytime running lights, driver training, defensive driver, seat belt use, and multi-vehicle.
• Auto-Owners Insurance may have discounts that include paperless, paid in full, safe vehicle, multi-policy, multiple vehicles, anti-theft, and group or association.
• American Family offers discounts for defensive driver, TimeAway discount, bundled insurance, Steer into Savings, mySafetyValet, and accident-free.
• Esurance discounts include multi-policy, paid-in-full, Pac-12 alumni, Switch & Save, and homeowner.
• Progressive may offer discounts for multi-vehicle, continuous coverage, multi-policy, homeowner, and online quote discount.
• State Farm offers discounts including driver’s education, passive restraint, anti-theft, student away at school, and safe vehicle.
• AAA may include discounts for good student, multi-car, anti-theft, good driver, AAA membership discount, and multi-policy.

When getting a coverage quote, ask each company to apply every possible discount. All car insurance discounts might not be offered in every state. If you would like to view insurers that offer the discounts shown above, click this link.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might point out whether or not you will benefit from professional help.

• What discounts do I qualify for?
• How does medical payments coverage work?
• How can I force my company to pay a claim?
• I don’t drive much so do I pay less?
• Should I have a commercial auto policy?
• Do I need PIP (personal injury protection) coverage in my state?
• Can I make deliveries for my home business?
• Am I covered when driving in Canada or Mexico?
• Why am I required to buy high-risk coverage?
• Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, hitting a deer and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

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

Collision insurance covers claims like scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for surgery, funeral costs, ambulance fees, hospital visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1999 GMC Sierra 1500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability

This coverage protects you from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, medical services, court costs and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Better coverage you can count on

In this article, we presented a lot of tips how to get a better price on 1999 GMC Sierra 1500 insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even find the biggest savings come from an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

When getting insurance quotes online, don’t be tempted to reduce coverage to reduce premium. In too many instances, someone dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Cost effective 1999 GMC Sierra 1500 insurance is available online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies don’t offer rate quotes online and these smaller providers prefer to sell through independent insurance agents.

To read more, feel free to visit these articles:

• Child Safety FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Booster Seat Ratings (iihs.org)