2001 GMC Sierra C3 Car Insurance Rates – 8 Ways to Save

Paying for overpriced GMC Sierra C3 insurance can bleed your budget and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to lower your monthly bill.

Companies like State Farm, Allstate, Geico and Progressive continually hit you with advertising and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Finding the best rates is quite easy. Although car owners need to learn how big insurance companies sell insurance online.

Lower rate quotes by earning these eight discounts

Companies offering auto insurance don’t list every possible discount in a way that’s easy to find, so the following is a list of a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.

• Safety Course Discount – Successfully completing a course that instructs on driving safety may get you a small discount if you qualify.
• Discounts for New Vehicles – Insuring a new car can save you some money because new model year vehicles keep occupants safer.
• Discounts for Cautious Drivers – Accident-free drivers may save up to 50% more for Sierra C3 coverage than their less cautious counterparts.
• Federal Employees – Having worked for a branch of the government could cut as much as 10% off for Sierra C3 coverage with certain companies.
• Senior Citizen Rates – Mature drivers may receive better car insurance rates for Sierra C3 coverage.
• Student in College – College-age children who live away from home to go to college and do not have a car can be insured at a reduced rate.
• Claim Free – Claim-free drivers pay much less in comparison to policyholders that have many claims.
• Early Payment Discounts – By paying your policy upfront as opposed to paying monthly you could save up to 5%.

It’s important to understand that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, car insurance companies aren’t that generous.

A partial list of companies that may offer quotes with some of the discounts shown above possibly include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

When getting free insurance coverage quotes, it’s a good idea to every prospective company which credits you are entitled to. Some credits may not apply in your area.

Your car insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if you would benefit from professional advice.

• Is rental equipment covered for theft or damage?
• What is an SR-22 filing?
• Am I covered if I hit my neighbor’s mailbox?
• Am I covered if hit by an uninsured driver?
• Am I insured when driving a different vehicle?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Buyer beware of auto insurance advertising tricks

Auto insurance companies such as Geico, State Farm and Progressive regularly use ads on television and other media. All the ads advertise claims that you’ll save big just by switching to their company. How is it plausible that every one can claim to save you money? It’s all in the wording.

Most companies quote their cheapest rates for the type of customer that will add to their bottom line. A good example of this type of driver should be between 25 and 40, carries high limits, and drives less than 7,500 miles a year. A driver who fits those characteristics gets the lowest car insurance rates and will cut their rates substantially.

Potential insureds who do not meet these standards will have to pay a more expensive rate and this can result in the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can state the savings. Because of the profiling, you really need to do a rate comparison at every renewal. It’s just not possible to know which insurance companies will have the best rates at this point in time.

Auto insurance policy coverages for a 2001 GMC Sierra C3

Having a good grasp of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like prosthetic devices, funeral costs, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, vandalism, a tree branch falling on your vehicle, a broken windshield and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on a person or their property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, medical services and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This coverage pays for damage to your Sierra C3 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, crashing into a building, hitting a parking meter, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2001 GMC Sierra C3.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Find Good Coverage for Less

Throughout this article, we presented quite a bit of information on how to shop for 2001 GMC Sierra C3 insurance online. The most important thing to understand is the more times you quote, the better likelihood of getting the cheapest insurance coverage. You may even discover the best price on insurance is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

Cheap 2001 GMC Sierra C3 insurance is available from both online companies and from local agencies, and you should compare rates from both so you have a total pricing picture. Some companies don’t offer online rate quotes and usually these small, regional companies provide coverage only through local independent agencies.

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

• Auto Insurance Basics (Insurance Information Insitute)
• Who Has Cheap Auto Insurance for a GMC Sierra in San Francisco? (SFAutoGuard.com)
• How do I File a Claim? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Theft Statistics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)