Cheap 2000 GMC Sonoma Car Insurance Quotes

Did a good deal turn out to be overpriced insurance? Trust us when we tell you there are many drivers thinking the same thing.

You have multiple insurance companies to insure vehicles with, and even though it’s nice to have a selection, having more insurance companies makes it harder to find a good deal.

How much is auto insurance?

There are a variety of methods you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You could spend your day talking to local insurance agents in your area, or you can utilize online quotes to get prices fast.

All the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and each company returns a competitive quote determined by their information. This saves time by eliminating quotation requests to each company.

To find out what other companies charge click here (opens in new window).

The one downside to using this type of form is you can’t choose the companies you will receive quotes from. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of auto insurance companies in your area. Click to view list.

The approach you take is up to you, just ensure you’re using the exact same quote information with every price quote. If you compare differing limits it will be impossible to determine the best price for your GMC Sonoma. Having just a slight variation in coverage limits can result in a big premium difference. Just remember that making a lot of price comparisons increases the change that you will find more affordable rates. Some regional insurers cannot provide online quotes, so it’s important to compare rates from the smaller companies as well.

Earn discounts on insurance

Some companies don’t necessarily list all disounts very well, so the next list breaks down a few of the more well known and the more hidden discounts that you can inquire about if you buy insurance online.

• Multiple Vehicles – Buying insurance for more than one vehicle on a single policy can reduce rates for all insured vehicles.
• Discount for Home Ownership – Just owning your own home may trigger a policy discount on insurance since home ownership is proof of financial responsibility.
• Good Driver Discounts – Safe drivers may receive a discount up to 45% for Sonoma insurance compared to rates paid by drivers with frequent claims.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for Sonoma insurance with select insurance companies.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, it just doesn’t work that way. But any discount will positively reduce the cost of your policy.

Insurance companies who might offer many of the previously listed discounts include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

When getting free insurance quotes, it’s a good idea to every insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To choose companies who offer cheap insurance quotes, follow this link.

Find GMC Sonoma insurance at a discount

Lots of things are considered when premium rates are determined. Some of the criteria are obvious such as your driving record, but some are more transparent such as your credit history or how financially stable you are.

• Occupation reflects on prices – Did you know your insurance rates can be affected by your occupation? Careers like lawyers, executives and accountants tend to pay the highest average rates attributed to high stress and incredibly demanding work hours. Conversely, professions such as farmers, students and homemakers have lower than average premiums for Sonoma insurance.
• Marriage is a good thing – Walking down the aisle may cut your premiums when buying insurance. It generally demonstrates drivers are more mature and insurance companies reward insureds because being married results in fewer claims.
• Are you male or female? – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. Males and females get in at-fault accidents in similar numbers, but the males cause more damage and cost insurance companies more money. Men also statistically receive more major tickets like reckless driving and DUI.
• Youthful drivers cost more – Teenage drivers are known to be careless and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher. If you’ve ever had to add a teenage driver to your insurance policy can increase premiums substantially. Older insureds are shown to be more cautious, file fewer claims and are safer drivers.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

• What are the financial responsibility laws in my state?
• Should I drop comprehensive coverage on older vehicles?
• Is there coverage for injuries to my pets?
• Is business equipment covered while in my vehicle?
• Is my custom paint covered by insurance?
• Do I really need UM/UIM coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance 101

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average car insurance policy.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like repair costs for stationary objects, structural damage, medical expenses and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive car insurance

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hail damage, damage from flooding and theft. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like prosthetic devices, doctor visits, rehabilitation expenses, chiropractic care and funeral costs. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision insurance

This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Get your money’s worth

Throughout this article, we presented many tips how you can get a better price on 2000 GMC Sonoma insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest prices come from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The goal is to get the best coverage possible at the best cost.

To learn more, take a look at the resources below:

• Red Light Cameras (State Farm)
• Vehicle Insurance (Wikipedia)
• Collision Coverage (Liberty Mutual)
• Should I Buy a New or Used Car? (Allstate)