I can’t think of a single person who likes buying insurance coverage, especially when they know it costs too dang much.
Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible.
Effectively comparing insurance coverage prices can be a daunting task if you aren’t aware of the best way to get rate quotes. You can waste a lot of time driving to insurance agencies in your area, or you can stay home and use the web to achieve your goal.
Many insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company provides a quote based on that data. This saves time by eliminating form submissions to each company.
To participate in this free quote system, click to open in new window.
The one downside to comparing rates this way is you don’t know exactly which providers to get pricing from. So if you want to choose specific providers to compare, we have a page of the cheapest insurance coverage companies in your area. Click to view list.
You can choose any of those ways to find more affodable coverage, but do your best to use the same information for every quote you compare. If you compare different deductibles it’s not possible to find the best deal for your GMC Sierra Classic 3500. Just slight variations in coverage limits can result in a big premium difference. And when quoting insurance coverage, remember that obtaining a wide range of quotes helps locate the best rates. Not every company allows you to get online rate quotes, so you also need to get price estimates from the smaller companies as well.
Buying auto insurance is not cheap, but you might already qualify for some discounts that may help make it more affordable. Many of these discounts will be applied automatically when you get a quote, but less common discounts must be requested specifically before you will receive the discount.
Don’t be shocked that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But all discounts will bring down your auto insurance premiums.
A list of companies and a partial list of their discounts are shown below.
Before purchasing a policy, check with every prospective company which discounts you qualify for. Savings might not be offered everywhere. To find insurance companies who offer auto insurance discounts, click here.
When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine whether or not you might need professional guidance.
If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.
Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.
Liability coverage will cover damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against claims such as repair bills for other people’s vehicles, structural damage, medical services and legal defense fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like damage from flooding, damage from a tornado or hurricane, hitting a bird and hail damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your GMC Sierra Classic 3500.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.
Med pay and PIP coverage kick in for expenses like prosthetic devices, chiropractic care, EMT expenses, doctor visits and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Collision coverage will pay to fix damage to your Sierra Classic 3500 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 pays for claims such as colliding with a tree, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.
Deedra Humphrey
Found cheapest coverage with State Farm for my Sierra Classic 3500 and saved around $70 a year. Was with Safeco. I have several vehicles insured with them. When should I drop full coverage?
Kyong Nelson
For me, 21st Century was by far the cheapest in Des Moines, IA.
Brant Banks
If you have a clean record and live in the vicinity of Norfolk, Virginia, check out GEICO. You might get cheaper rates. Have an at-fault accident tho. I just quoted rates online. It’s only liability tho.
Riley Sargent
Does 21st Century insure at replacement cost?
Claretha Booth
From North Charleston, SC. Quoted prices online for a 2000 GMC Sierra Classic 3500. Ended up at about $80 savings annually. Went with 21st Century. Left AIG Insurance to switch. Thankfully I’m not a high risk driver.
Son Sutton
This is too expensive. I live on the south side of Cranston, Rhode Island. Got car insurance rates from Safeco, Erie, Progressive, and AAA for my 2000 GMC Sierra Classic 3500 and saved $94 a year. I’m a pretty good driver though.
Chasidy Sexton
Is 21st Century cheap in Houston, TX?
Marcell Hill
Good detail in your article. Located in Biloxi, Mississippi. Received quotes from AAA, MetLife, and some smaller one I can’t remember the name of for my Sierra Classic 3500 and saved just over $90 a year.
Kelley Lynch
I found pretty cheap rate quotes for a 2000 GMC Sierra Classic 3500 in Springfield, MO. Ended up at darn near $110 every six months with AAA. Insured with Liberty Mutual before. Teenage drivers are expensive!
Sharmaine Waller
I live south of Augusta, GA. I got free prices from GEICO, Auto-Owners, and Erie for my Sierra Classic 3500 and I think I am saving around $30 each month. Switched homeowners coverage too. I don’t put full coverage on it.
Mitchel Bond
I got a good deal I think. I live on the north side of Jackson, MS. I got free quotes with American Family, Mercury, and some smaller one I can’t remember the name of for my Sierra Classic 3500 and I think I am saving around $20 each month. I used their online quote form to compare rates. Just liability coverage since it’s getting old.
Jenifer Cross
I’ve insured with Progressive for a long time. Pretty cheap in Milwaukee, WI.
Bradley Pitts
If you have a good history and live in the vicinity of Las Vegas, Nevada, check out 21st Century. They seem to be cheaper. Full coverage costs too much.
Jody Koch
It all costs too much. I’m in Chesapeake, Virginia. Got prices from The General, Auto-Owners, Sentry, and a couple others for my GMC and saved just over $100 a year. I have several vehicles insured with them. They offer free online rate quotes. Liability only on my Sierra Classic 3500.
Irma Roach
I’m just north of Saint Paul, MN, and Progressive rates were best. Full coverage costs too much.
Bari Cantrell
FYI in Grand Rapids, MI try State Farm. I got a good deal.