Paying more affordable rates for car insurance could be difficult for drivers who are new to comparing prices online. With such a large number of companies, it can easily become a difficult challenge to find cheaper car insurance rates.
All major car insurance companies allow you to get coverage prices on the web. Getting online rates can be done by anyone as you just type in the amount of coverage you want into the form. When the form is submitted, the quote system orders your driving record and credit report and quotes a price.
This makes it a lot easier to compare rates but having to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible in order to get the lowest possible prices on car insurance.
Online rates the easy way
The quickest way to find cheaper rates uses just one form to get prices from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable. After sending the form, it gets priced and you can choose any of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It takes less than 15 minutes and you’ll know if lower rates are available.
To save time and compare rates now, click here to open in a new tab and begin entering your coverage information. If you currently have coverage, we recommend you type in the coverage information as shown on your current policy. This ensures you will receive a rate comparison using the same coverage and limits.
Auto insurance companies don’t necessarily list the entire discount list in a way that’s easy to find, so the list below contains both well-publicized as well as some of the hidden credits that you can use to lower your rates.
While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
Companies and a partial list of their discounts are shown below.
When getting a coverage quote, ask all companies you are considering which discounts they offer. Some discounts might not be offered on policies in every state. To choose providers that offer the discounts shown above, click here.
When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.
Here are some questions about coverages that can help discover if you could use an agent’s help.
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form.
Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.
Auto liability
Liability insurance can cover injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability can pay for things like emergency aid, medical services, attorney fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.
Collision insurance
This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like sideswiping another vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.
Coverage for medical payments
Med pay and PIP coverage pay for bills for things like surgery, rehabilitation expenses, hospital visits, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
Uninsured and underinsured coverage
Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive coverages
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as falling objects, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
We’ve covered quite a bit of information on how to reduce 2001 GMC Sonoma insurance premium rates online. The key concept to understand is the more companies you get prices for, the better your comparison will be. Consumers could even find that the lowest premium rates are with a company that doesn’t do a lot of advertising.
Drivers who switch companies do it for any number of reasons including delays in responding to claim requests, not issuing a premium refund, unfair underwriting practices and poor customer service. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.
When searching for low cost car insurance quotes, never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability coverage limits and learned later they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Lilla Gates
I got quite a few price quotes for a 2001 GMC Sonoma in Minneapolis, MN. Ended up at about $70 every six months with AAA. Insured with The General before. Moved home policy as well.
Laila Acosta
What is Underinsured Motorist coverage?
Rebbeca Johns
Not sure what I should be paying. Live in the southern part of Rockford, Illinois. Received quotes from Safeco, Erie, State Farm, and AAA for my 2001 GMC Sonoma and I think I saved around $20 each month. Insured with Allstate before.
Louanne Hampton
If you have a clean record and are close to Nampa, ID, check out 21st Century. They seem to be cheaper. I have kids on my policy, too. They have free quotes online. It’s only liability tho.
Rex Hamilton
From a town just southwest of Philadelphia, PA. I quoted with AIG Insurance, Nationwide, and Western Auto Insurance for my GMC and am saving around $70 a year. My new agent seems to be really good. You can get a rate quote online. Next renewal I’ll just do liability.
Laverna Oliver
I’m from Concord, New Hampshire. Quoted prices from Allstate, Hanover, and Esurance for my Sonoma and saved $115 a year. Teenage drivers are expensive! Bought it from an online quote.
Peggy Hart
I think I’m paying too much. I live on the north side of Mesa, Arizona. Went online for free insurance quotes for a 2001 GMC Sonoma. Ended up at about $70 savings annually. Went with GEICO. Left Travelers to switch. Good multi-policy discounts. I just carry liability insurance.
Thea Butler
From north side of Concord, NH. Quoted with Travelers, AAA, Hanover, and Nationwide for my Sonoma and saved just over $110 a year. When should I drop full coverage?
August Mcmillan
Corporate greed I’m telling you. Located in New York City, NY. Quoted with AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my Sonoma and saved just over $110 a year. Insured with Eastwood before. Online quotes are the way to go.
Clint Norman
Great site. From Buffalo, NY. Quoted with Nationwide, Eastwood, State Farm, and AIG Insurance for my Sonoma and saved just over $90 a year. Even increased my liability limits. Still almost need a second mortgage. When should I drop full coverage?
Man Hurst
I live on the south side of Green Bay, WI. I don’t recall every quote but I ended up saving about $30 each month. I get multi-vehicle and multi-policy discounts. I dropped full coverage awhile back.