View 2002 GMC Sierra 3500 Car Insurance Rates

Locating better insurance prices for a new or used GMC Sierra 3500 could be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to compare car insurance rates so you’re going to learn the absolute fastest way to get price quotes for a new or used GMC and locate the lowest price.

It is always a good idea to compare prices on a regular basis because insurance prices are constantly changing. Even if you think you had the best price on Sierra insurance at your last renewal you may be paying too much now. Forget all the misinformation about car insurance because you’re going to get a crash course in how to quote online to find better rates and still maintain coverage.

Pricing the lowest cost car insurance is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you can follow these tips to reduce the price you pay and still get good coverage. Drivers just need to know the tricks to compare price quotes over the internet.

Reduce insurance rates with these tips

It’s important that you understand the factors that help determine your car insurance rates. If you understand what impacts premium levels, this allows you to make good choices that could help you find lower premium levels. Multiple criteria are part of the equation when you get a price on insurance. A few of the factors are predictable like an MVR report, but some are not as apparent like where you live and annual miles driven.

The itemized list below are most of the major factors that factor into your rates.

• How much liability – Your car insurance policy’s liability coverage will provide protection if ever you are responsible for causing damage or personal injury in an accident. Your liability coverage provides legal defense starting from day one. Liability is cheap when compared to the cost of physical damage coverage, so do not cut corners here.
• Having a spouse equates to better costs – Having a spouse may save some money when shopping for car insurance. Marriage translates into being more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
• Premiums are lower the older you get – Inexperience drivers are proven to be inattentive when driving so car insurance rates are higher. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
• Drive fewer miles and save – The higher the miles on your GMC each year the more it will cost to insure it. The majority of insurers apply a rate partially by how you use the vehicle. Cars left parked in the garage get more affordable rates compared to those used for work or business. Incorrect rating for your Sierra 3500 may be wasting your money. It’s a smart idea to ensure your policy shows the proper vehicle usage, because improper ratings can cost you money.
• Your occupation and car insurance rates – Jobs like real estate brokers, architects and accountants tend to have the highest rates attributed to high stress levels and lots of time spent at work. On the other hand, occupations like professors, engineers and retirees have lower than average premiums on Sierra insurance.
• Reduce rates by driving cars with good safety ratings – Safer cars get lower rates. Safe vehicles reduce occupant injuries and lower rates of occupant injuries means less claims paid passed on to you as lower rates. If your GMC Sierra 3500 scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• Improve your credit rating – A driver’s credit score can be an important factor in determining what you pay. Insureds that have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. So if your credit rating is lower than you’d like, you may save money insuring your 2002 GMC Sierra 3500 by taking the time to improve your credit score.

How to compare free car insurance quotes

Lowering your 2002 GMC Sierra 3500 car insurance rates is actually quite simple. All that’s required is to spend a few minutes on the computer comparing rates online with multiple companies. Comparing prices online can be done in just a few minutes using one of these methods.

The most efficient way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do separate quote forms for every company. A single, simple form gets prices estimates from many national carriers. It’s the fastest way to compare.

A harder way to shop for car insurance online is spending the time to visit the website for every company you want to comare and go through the quote process again. For sake of this example, let’s say you want to compare rates from USAA, State Farm and Liberty Mutual. To do that, you would have to visit each site to enter the same coverage data repeatedly, which is why most consumers use the first method. To view a list of companies in your area, click here.

The approach you take is up to you, just be sure you’re using exactly the same coverage limits for each quote you get. If you are comparing different limits and deductibles on each one you can’t possibly make a fair rate comparison.

Auto insurance quotes and discounts

Some insurers don’t necessarily list the entire discount list very clearly, so we researched a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

• No Claim Discounts – Insureds with no claims or accidents have much lower rates compared to bad drivers.
• Senior Discount – If you’re over the age of 55, you may receive better auto insurance rates on Sierra insurance.
• Driver Safety – Participating in a defensive driver course could earn you a small percentage discount and easily pay for the cost of the class.
• Good Grades Discount – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.
• Driver Education Discount – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
• Membership in Organizations – Participating in certain professional organizations can get you a small discount when shopping for auto insurance.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
• Drive Safe and Save – Accident-free drivers can save up to 40% or more on their insurance quote on Sierra insurance compared to accident prone drivers.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The best auto insurance companies and some of the discounts are included below.

• Geico may include discounts for multi-vehicle, good student, anti-theft, multi-policy, anti-lock brakes, and daytime running lights.
• Travelers may have discounts that include new car, save driver, payment discounts, multi-car, and multi-policy.
• Nationwide discounts include good student, easy pay, accident-free, multi-policy, Farm Bureau membership, and anti-theft.
• Farmers Insurance includes discounts for bundle discounts, youthful driver, mature driver, teen driver, pay in full, early shopping, and homeowner.
• Esurance offers premium reductions for Switch & Save, anti-lock brakes, paid-in-full, multi-car, good driver, and emergency road assistance.
• State Farm offers discounts for good driver, Drive Safe & Save, passive restraint, student away at school, and Steer Clear safe driver discount.
• Progressive offers discounts including continuous coverage, homeowner, multi-vehicle, online signing, multi-policy, and good student.
• Mercury Insurance may offer discounts for accident-free, age of vehicle, professional/association, low natural disaster claims, multi-policy, multi-car, and good student.

If you need cheaper insurance quotes, ask all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts may not apply in your area. If you would like to view auto insurance companies with discount rates, follow this link.

Situations that may require an agent’s advice

When buying coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

• How do I insure my teen driver?
• Is rental equipment covered for theft or damage?
• Is my babysitter covered when using my vehicle?
• Who is covered by my policy?
• Does my insurance cover a custom paint job?
• What is the difference between comprehensive and collision coverage?
• Is my teen driver covered when they drive my company car?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Am I covered if my car is in a flood?
• Are rental cars covered under my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Specifics of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your GMC Sierra 3500.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages

This coverage can cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as medical expenses, repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision coverage protection

This coverage covers damage to your Sierra 3500 resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for things like nursing services, chiropractic care, dental work and EMT expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, damage from getting keyed, fire damage and falling objects. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Spend less. Save more.

Drivers change insurance companies for a variety of reasons including unfair underwriting practices, delays in paying claims, poor customer service and policy non-renewal. No matter why you want to switch, switching insurance companies is less work than it seems.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many instances, an insured cut collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Cheaper insurance can be purchased from both online companies and from local insurance agents, so you need to quote insurance with both to get a complete price analysis. Some insurance providers may not provide rate quotes online and these small insurance companies prefer to sell through independent agencies.

More detailed insurance information is located by following these links:

• Car Insurance FAQ (Trusted Choice)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Winter Driving (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)