How Much Does 1999 GMC Sonoma Car Insurance Cost?

Looking for better insurance coverage rates? Shoppers have lots of choices when shopping for low-cost GMC Sonoma insurance. You can either spend your time calling around trying to get quotes or save time using the internet to compare rates.

There is a better way to shop for insurance coverage and we’ll show you the proper way to get price quotes on a GMC and locate the lowest possible price from local insurance agents and online providers.

Compare car insurance rates

There are several ways you can shop for car insurance but some are more efficient than others. You could spend your day driving to insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

Most of the larger companies belong to an insurance system where prospective buyers submit their information once, and each company then gives them pricing determined by their information. This saves time by eliminating repetitive form submissions for each company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly the providers to get quotes from. If you prefer to choose individual companies to receive pricing from, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverage limits and deductibles on every quote you get. If you use different coverage information you will not be able to decipher which rate is best.

More affordable rates by earning discounts

Not too many consumers would say insurance coverage is affordable, but you may find discounts to cut the cost considerably. Some of these disounts will be visible at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

• Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
• Early Switch Discount – Some insurance coverage companies give discounts for buying a policy before your current policy expires. It could save around 10% when you buy insurance online.
• Onboard Data Collection – Insureds who allow their insurance coverage company to spy on driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
• Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Mature Driver Discount – Seniors can possibly qualify for a slight reduction on a insurance quote for Sonoma coverage.
• Smart Student Discounts – A discount for being a good student can save 20 to 25%. You can use this discount normally up until you turn 25.
• Discount for Life Insurance – Insurance coverage companies who offer life insurance give a break if you buy a life insurance policy as well.
• Discounts for Federal Employees – Active or former government employment could qualify for a slight premium decrease for Sonoma coverage with a few insurance coverage companies.

Remember that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

The best insurance coverage companies and their possible discounts are included below.

• Geico has savings for five-year accident-free, military active duty, emergency military deployment, multi-policy, driver training, and anti-lock brakes.
• Travelers may have discounts that include good student, hybrid/electric vehicle, driver training, continuous insurance, IntelliDrive, payment discounts, and multi-car.
• Farm Bureau may offer discounts for multi-vehicle, youthful driver, safe driver, renewal discount, 55 and retired, multi-policy, and good student.
• Liberty Mutual may include discounts for newly retired, new vehicle discount, teen driver discount, hybrid vehicle, multi-policy, and good student.
• American Family includes discounts for good student, TimeAway discount, accident-free, multi-vehicle, bundled insurance, good driver, and defensive driver.
• Progressive discounts include online quote discount, good student, multi-policy, multi-vehicle, and homeowner.

When getting free insurance quotes, it’s a good idea to every company which credits you are entitled to. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of providers with the best discounts, click here to view.

Your insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions might point out if you might need an agent’s assistance.

• When can I cancel my policy?
• Is pleasure use cheaper than using my 1999 GMC Sonoma to commute?
• Do I need higher collision deductibles?
• Is a blown tire covered by insurance?
• Do I need motorclub coverage?
• Who is covered when they drive my 1999 GMC Sonoma?
• If my pet gets injured in an accident are they covered?
• What is PIP insurance?
• Am I getting all the discounts available?
• Do I benefit by insuring my home with the same company?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverages for a 1999 GMC Sonoma

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, a broken windshield and fire damage. The maximum payout your auto 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.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like pain medications, X-ray expenses, nursing services, EMT expenses and ambulance fees. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like loss of income, pain and suffering, bail bonds, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your GMC Sonoma.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage – Collision insurance pays for damage to your Sonoma resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, crashing into a ditch, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.