2003 GMC Sierra 2500HD Insurance Quotes

Are you sick and tired of paying out the nose to keep your car insured? You have the same problem as many other consumers.

Insurance companies such as Geico and Progressive continually bombard you with advertising and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

It’s smart to check auto insurance prices periodically because auto insurance rates are variable and change quite frequently. If you had the best premium rates on SierraHD coverage a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn the best way to get good coverage at a lower rate.

The cheapest auto insurance price quotes online

There are multiple methods to compare auto insurance quotes, but some are less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

The majority of car insurance companies take part in a program that enables customers to send in one quote, and each company can give them a price determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

The one downside to doing it this way is that consumers can’t choose which carriers to get quotes from. So if you want to select specific insurance companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure you’re using the same quote data for each quote you get. If you enter different values for each quote it’s not possible to get a fair rate comparison. Quoting even small variations in coverages can result in a big premium difference. And when price shopping your coverage, comparing more company’s prices helps improve the odds of finding the best rates.

Find discounts to get cheap insurance rates

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that may help make it more affordable. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be inquired about before they will apply.

• Accident-Free Discounts – Insureds who avoid accidents and claims get the best insurance rates compared to policyholders that have many claims.
• Low Mileage – Driving fewer miles could be rewarded with substantially lower rates.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on SierraHD coverage with certain companies.
• One Accident Forgiven – Not necessarily a discount, but some companies like Liberty Mutual and Geico will turn a blind eye to one accident before raising your premiums if your claims history is clear before the accident.
• Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
• Defensive Driver Discounts – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
• Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
• Telematics Discount – Insureds that choose to allow data collection to look at when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
• New Vehicle Savings – Buying a new car instead of a used car is cheaper compared to insuring an older model.

While discounts sound great, it’s important to understand that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy.

A partial list of companies who may offer most of the discounts above include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

If you need lower rates, check with each company which credits you are entitled to. Some discounts may not be available everywhere. To locate insurance companies that offer discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

• Should I drop comprehensive coverage on older vehicles?
• Do I have coverage when using my vehicle for my home business?
• Do I need more liability coverage?
• Am I covered if I wreck a rental car?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need medical payments coverage since I have good health insurance?
• Are my friends covered when driving my 2003 GMC Sierra 2500HD?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like pain medications, X-ray expenses, EMT expenses, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, damage from a tornado or hurricane, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as emergency aid, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your GMC Sierra 2500HD.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverage

This coverage will pay to fix damage to your Sierra 2500HD from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.