2001 GMC Sonoma Insurance Rates – 8 Ideas for Cheapest Quotes

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.

How to lower your car insurance cost

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.

Eight discounts for lower-cost insurance rates

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.

• Good Grades Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Life Insurance Discount – Some insurance companies give better premium rates if you take out auto and life insurance together.
• Mature Driver Discount – Older drivers may be able to get reduced rates on Sonoma insurance.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of 20% or more.
• Paperless Signup – Certain larger companies will provide an incentive for buying your policy on the web.
• Professional Organizations – Participating in certain professional organizations is a simple method to lower premiums when shopping for insurance.
• Drive Less and Save – Driving less can earn discounted insurancerates on garaged vehicles.
• Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.

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.

• American Family policyholders can earn discounts including mySafetyValet, defensive driver, accident-free, TimeAway discount, bundled insurance, Steer into Savings, and good student.
• Farm Bureau may offer discounts for youthful driver, driver training, safe driver, multi-vehicle, multi-policy, renewal discount, and good student.
• State Farm includes discounts for Steer Clear safe driver discount, multiple policy, good driver, good student, and passive restraint.
• Travelers may have discounts that include multi-car, IntelliDrive, home ownership, continuous insurance, new car, and student away at school.
• The Hartford offers discounts for driver training, defensive driver, vehicle fuel type, good student, bundle, and anti-theft.
• Geico discounts include military active duty, multi-vehicle, anti-lock brakes, air bags, membership and employees, and federal employee.
• Progressive offers premium reductions for homeowner, good student, multi-policy, continuous coverage, multi-vehicle, online signing, and online quote discount.

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.

You may need specialized insurance coverage

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.

• What vehicles should carry emergency assistance coverage?
• How much can I save by bundling my policies?
• Is my babysitter covered when using my vehicle?
• Should I have a commercial auto policy?
• Do I pay less if my vehicle is kept in my garage?
• Is my 2001 GMC Sonoma covered for flood damage?
• When does my teenage driver need to be added to my policy?
• Why do I only qualify for high-risk insurance?

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.

Learn about auto insurance coverages for a GMC Sonoma

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.

A little work can save a LOT of money

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.

Other resources

• Bodily Injury Coverage (Liberty Mutual)
• How to Avoid Staged Accidents (State Farm)
• Understanding your Policy (NAIC.org)
• Cellphones, Texting and Driving (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)