Getting the lowest price insurance on the web may at first seem to be somewhat intimidating for price shopping on the internet. With so many companies, how can drivers even start to compare every one to find cheaper insurance prices?
The are a couple different ways to get quotes from companies that offer insurance in your state. One of the best ways to find cheaper 2004 GMC Sierra 3500 rates involves getting comparison quotes online. This is very easy and can be done in a couple minutes as outlined below.
It doesn’t matter which method you choose, just make darn sure you compare identical quote data for each price quote. If you have higher or lower deductibles it will be very difficult to determine the lowest rate for your GMC Sierra 3500. Even a minor difference in insurance coverages or limits may cause a big price difference. And when comparison shopping, more quotes increases the change that you will find a lower rate.
Some insurance providers do not advertise every discount in a way that’s easy to find, so the following is a list of some of the best known as well as the least known discounts that you may qualify for.
While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.
Larger auto insurance companies and their offered discounts include:
If you need lower rates, check with every insurance company which discounts you qualify for. Savings may not apply in your area. To find insurance companies who offer discounts, follow this link.
Lots of factors are taken into consideration when quoting car insurance. Most are fairly basic like an MVR report, but some are less apparent like your continuous coverage or how financially stable you are.
Shown below are some of the most common factors that factor into rates.
When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.
For example, these questions may help highlight whether you would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.
Car insurance providers like 21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all tend to make the same promise that you can save after switching your coverage. How do they all charge less that you’re paying now? You have to listen carefully.
Most companies require specific criteria for a prospective insured that earns them the most money. A good example of a desirable risk may need to be over the age of 40, has other policies, and drives a vehicle with a low ISO rating. Any driver who meets those qualifications will get very good premium rates and have a good chance to save when switching.
Consumers who are not a match for the “perfect” profile will have to pay a higher rate and this can result in the customer buying from a different company. The ads state “people that switch” not “everybody who quotes” save money. That’s the way companies can truthfully make those statements.
Because of the profiling, you should get car insurance quotes as often as possible. It’s just not possible to know which insurance companies will give you lower prices than your current company.
Understanding the coverages of auto insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your GMC Sierra 3500.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.
Coverage for medical payments – Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, nursing services, ambulance fees, pain medications and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision – This coverage covers damage to your Sierra 3500 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 crashing into a ditch, scraping a guard rail, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.
Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as hail damage, falling objects, fire damage and rock chips in glass. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability coverage – This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability coverage pays for things like loss of income, legal defense fees, funeral expenses and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
You just learned a lot of ways to get a better price on 2004 GMC Sierra 3500 insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost car insurance. Consumers may even find the lowest priced insurance coverage comes from a small mutual company.
When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In many instances, an insured dropped full coverage only to regret at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at the best possible price, but do not skimp to save money.
Cheap 2004 GMC Sierra 3500 insurance is definitely available both online and from local agencies, so you need to shop car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not provide online rate quotes and many times these smaller companies only sell coverage through independent insurance agencies.
For more information, feel free to browse the resources below:
Suzette Munoz
Will Allstate do a SR22 in Alaska?
Joetta Fuller
GEICO and Allstate were both pretty cheap in Lexington, KY.
Drema Talley
Affordable car insurance is a myth. Live in the northern part of Rapid City, SD. Got car insurance quotes from AAA, Nationwide, and a few others for my GMC and I think I am saving around $10 each month.
Houston Wheeler
I got decent rates for a 2004 GMC Sierra 3500 in Biloxi, MS. Ended up at right around $120 every six months with AIG Insurance. Left Hanover to switch.
Cherri Ashley
Well-written and thought out article. I live in a small town just outside of Kansas City, MO. Quoted with Amica, MetLife, and Western Auto Insurance for my 2004 GMC Sierra 3500 and I’m now saving $15 a month. Insured with Sentry before. Ask about discounts.
Robena Mclean
I’m in the suburbs of Salem, OR. Quoted prices online for a 2004 GMC Sierra 3500. Ended up at about $80 savings annually. Went with 21st Century. Left Progressive to switch. Even increased coverage a bit.
Lyla Olson
I got a good deal I think. I live on the north side of Augusta, Georgia. Got quotes from Allstate, Esurance, and Liberty Mutual for my Sierra 3500 and saved about $90 a year. Moved home policy as well. When should I drop full coverage?
Regina Bryant
Went with Sentry for my Sierra 3500 and am saving around $110 a year. Moved home policy as well.
Darcie Lloyd
I live just outside Wichita, KS. Quoted with Western Auto Insurance, American Family, GMAC, and Mercury for my Sierra 3500 and saved about $100 a year. Was with Allstate. My GMC doesn’t have full coverage.
Christy Talley
I found pretty cheap rate quotes for a 2004 GMC Sierra 3500 in Aurora, Illinois. Ended up at about $70 every six months with AIG Insurance. Might find lower rates online.
Tiffany Melton
Hope my rates come down. I’m just south of Dallas, TX. I quoted with Hartford, Auto-Owners, Safeco, and a couple others for my 2004 GMC Sierra 3500 and saved just over $100 a year. They have free quotes online.
Damon Hebert
Does GEICO insure at replacement cost?
Virgilio Blair
If you have a good history and are close to Parkersburg, WV, check out Allstate. You might save some money. Was with Travelers. Teenage drivers are expensive! Just liability coverage since it’s getting old.
Onie Mccarthy
If you have a clean record and live in the vicinity of Omaha, Nebraska, check out GEICO. They seem to be cheaper.