1999 GMC Sierra 2500 Insurance Cost

If you are new to getting auto insurance quotes online, you may be baffled by the vast number of online auto insurance companies and websites all promising to save you money.

It is always a good idea to quote other rates before your policy renews because prices are variable and change quite frequently. Despite the fact that you may have had the best price for Sierra coverage a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re going to learn one of the quickest ways to remove unneeded coverages and save money.

The purpose of this post is to teach you the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Although consumers must learn how the larger insurance companies market on the web.

Insurance policy discounts

Some insurance providers do not list the complete list of policy discounts very well, so the next list breaks down a few of the more common and the harder-to-find discounts that you can inquire about if you buy auto insurance online.

• Switch and Save Discount – A few larger companies offer discounts for switching policies early. It’s a savings of about 10%.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Federal Employees – Active or retired federal employment may reduce rates when you quote auto insurance for Sierra coverage depending on your company.
• Multiple Policy Discount – If you combine your auto and homeowners policies with the same company you may earn 10% to 20% off each policy.
• Safety Course Discount – Taking part in a defensive driver course can save you 5% or more and easily pay for the cost of the class.
• Paper-free Discount – A few larger companies give back up to $50 shop auto insurance online.

It’s important to understand that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see insurance companies who offer online insurance quotes, click here to view.

The method we recommend to compare car insurance rates is to understand most of the larger companies provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is take a few minutes to give details including if it has an alarm system, whether the vehicles are used for commuting, deductibles desired, and daily mileage. That information is sent automatically to many of the top insurers and they return rate quotes very quickly.

To compare rates now, click here and enter your zip code.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

• Does liability extend to a camper or trailer?
• How much liability do I need to cover my assets?
• Do I need more liability coverage?
• Can I rent a car in Mexico?
• Will filing a claim cost me more?
• Where can I get insurance after a DUI in my state?
• When should my teen driver be added to my policy?
• Are there companies who specialize in insuring high-risk drivers?
• How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Information about specific coverages

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This coverage will pay to fix damage to your Sierra 2500 caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 1999 GMC Sierra 2500.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liablity limits.

Liability insurance

This provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability 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. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, medical services, bail bonds, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

And the best car insurance company is…

Consumers switch companies for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, extreme rates for teen drivers or delays in paying claims. Whatever your reason, choosing a new company can be easier than you think.

In this article, we covered a lot of techniques to save on 1999 GMC Sierra 2500 insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. You may be surprised to find that the lowest premium rates are with an unexpected company.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big error on their part. Your goal should be to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

Even more information can be found in these articles:

• Senior Drivers (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Auto Insurance 101 (About.com)
• Driving in Bad Weather (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)