Compare 2004 GMC Sierra 3500 Car Insurance Rates

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?

Where can I get low cost insurance?

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.

1. If you’re in a hurry, the quickest way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating multiple quote forms for each company you want a rate for. A single, simple form compares rates from all major companies. Just one form and you’re done.
2. A more time consuming way to compare prices requires visiting the website of each company and get a separate price quote. For example, let’s say you want comparison quotes from Geico, Farmers and American Family. To do that, you would have to go to each individual site to enter the same coverage data repeatedly, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

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.

Discounts to earn cheap auto insurance rates

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.

• Early Renewal Discounts – Some auto insurance companies reward drivers for buying a policy before your current expiration date. Ten percent is about the average savings.
• Low Mileage Discounts – Driving less can earn slightly better premium rates than normal.
• College Student Discount – Any of your kids who live away from home at college and don’t have a car may be insured at a cheaper rate.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you can avoid monthly service charges.
• Sign Online – Some of the larger companies may give you up to $50 for buying a policy and signing up on their website.

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:

• State Farm has savings for good student, anti-theft, good driver, multiple policy, driver’s education, Steer Clear safe driver discount, and multiple autos.
• Farmers Insurance policyholders can earn discounts including teen driver, switch companies, mature driver, electronic funds transfer, and good student.
• Geico may include discounts for federal employee, multi-vehicle, five-year accident-free, anti-theft, military active duty, defensive driver, and daytime running lights.
• American Family may have discounts that include defensive driver, TimeAway discount, bundled insurance, Steer into Savings, good driver, and good student.
• Nationwide has discounts for Farm Bureau membership, defensive driving, family plan, multi-policy, anti-theft, and business or organization.
• Progressive discounts include online quote discount, multi-vehicle, homeowner, online signing, continuous coverage, and multi-policy.

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.

Smart buyers can cut insurance costs

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.

• Cautious drivers pay the best rates – Even one chargable violation can bump up the cost by as much as thirty percent. Good drivers pay lower auto insurance prices compared to bad drivers. People who have multiple citations like reckless driving, hit and run or driving under the influence might be required by their state to maintain a SR-22 to the state department of motor vehicles in order to legally drive.
• Small claims can cost you – If you’re an insured who likes to file claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Companies provide better rates to people that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Bad credit hurts insurance premiums – Having a bad credit rating can be an important factor in determining what you pay for car insurance. So if your credit rating is lower than you’d like, you could save money insuring your 2004 GMC Sierra 3500 by taking the time to improve your credit score. Drivers who have very good credit scores tend to be more responsible and file fewer claims than those with lower ratings.
• Car and home together may be cheaper – Lots of insurers will give discounts to clients who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, drivers will still want to compare rates to ensure the best deal.
• Prevent theft and save – Buying a car that has an advanced theft prevention system can save you some money. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all help stop car theft.

Tailor your auto insurance coverage to you

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.

• How high should my medical payments coverage be?
• Does insurance cover damages from a DUI accident?
• What should my uninsured motorist coverage limits be in my state?
• Are all vehicle passengers covered by medical payments coverage?
• Where can I find DUI or SR-22 insurance?
• Do I need to file an SR-22 for a DUI in my state?
• Do I have newly-aquired coverage?
• When does my teenage driver need to be added to my policy?
• Should I buy only the required minimum liability coverage?

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.

Does car insurance advertising bend the truth?

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.

Car insurance coverages for a 2004 GMC Sierra 3500

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.

Coverage on a shoestring budget

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:

• Property Damage Coverage (Liberty Mutual)
• What Car Insurance is Cheapest for a GMC Sierra in Long Beach? (LongBeachInsure.com)
• Insurance Losses by Make and Model (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Teen Driving Statistics (Geico)