1999 GMC Sierra Classic 1500 Insurance Rates – 7 Ideas for Best Quotes

Trying to find better insurance prices for a GMC Sierra Classic 1500 can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to compare insurance coverage rates and you need to know the quickest way to get price quotes for a GMC and obtain the best price possible.

If you are insured now or are shopping for new coverage, you will benefit by learning to reduce the price you pay while maximizing coverage. Finding the cheapest protection is not that difficult. Drivers just need to understand the most effective way to get comparison quotes over the internet.

How to get free auto insurance quotes online

Reducing your 1999 GMC Sierra Classic 1500 insurance rates is a fairly straight forward process. You just have to take the time to get quotes from online providers. You can get a good selection of rate quotes using a couple different methods.

The most efficient method to get quotes for comparison is a comparison rater form like this one (opens in new window). This style of form eliminates the need for repetitive form entry for each company. Taking the time to complete one form will return quotes from multiple low-cost companies. It’s the fastest way to compare.

A more time consuming way to get quotes online requires a trip to each company’s website to complete their respective quote request forms. For example, we’ll pretend you want to view quotes from Farmers, Liberty Mutual and Travelers. To get rate quotes you would need to navigate to each company’s site and enter your policy data, which can get rather old. For a list of companies in your area, click here.

The least recommended method to get rate quotes is to drive around to insurance agencies in your area. Comparing online rate quotes has reduced the need for local agents unless you require the advice and guidance that only an agent can give. Some companies do allow you to compare the best prices online but have your policy serviced through an agent.

Whichever method you choose, try to use equivalent quote data for each price quote. If you use unequal deductibles or liability limits you can’t possibly determine which company has the best rates.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine if you could use an agent’s help.

• Does my liability insurance cover pulling a trailer or camper?
• What is the difference between comprehensive and collision coverage?
• Should I have combined single limit or split liability limits?
• Can I afford to buy a different vehicle if my 1999 GMC Sierra Classic 1500 is totaled?
• Does medical payments coverage apply to all occupants?
• What is UM/UIM insurance?
• Do I need an umbrella policy?
• Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Liability insurance

This coverage can cover damage or injury you incur to people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, funeral expenses, bail bonds, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision insurance pays for damage to your Sierra Classic 1500 caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like doctor visits, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage