Compare 2005 GMC Sierra 1500HD Insurance Quotes

There isn’t anyone who gets a kick out of paying for insurance coverage, especially when the cost is too high. You have so many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, it makes it harder to get the best deal.

Low cost insurance quotes

There are a lot of ways to compare insurance prices but one way is less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could use online quoting to maximize your effort.

Many of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and every company then returns a price quote based on that data. This eliminates the need for quote forms for each company you want a rate for.

To find out how much you can save on insurance click to open in new window.

The only drawback to using this type of form is you can’t choose which carriers you want pricing from. So if you prefer to pick specific insurance companies for rate comparison, we have a page of the cheapest insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing identical information with each company. If the quotes have different limits and deductibles on each one it will be very difficult to decipher which rate is best.

Well known brands might not be cheapest

Drivers can’t avoid all the ads that promise big savings for switching from companies such as Geico, State Farm and Progressive. All the companies try to convey promises of big savings after switching your insurance policy to them.

How does every company cost less than your current company? It’s all in how they say it.

Many companies have an ideal profile for the type of driver that earns them the highest profit. For example, a preferred risk should be between the ages of 30 and 50, is a homeowner, and drives a vehicle with a low ISO rating. A customer that matches those criteria will get very good rates and most likely will save if they switch.

Consumers who do not meet those criteria may be required to pay more expensive rates which leads to the customer not purchasing. If you listen to the ad wording, they say “people that switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can make it sound like they have such great prices.

Because of this risk profiling, you really need to do a quote comparison often. You cannot predict which insurance companies will have the lowest rates.

Affordable auto insurance rates with discounts

Auto insurance is expensive, but you can get discounts that may help make it more affordable. Certain reductions will be credited at the time of quoting, but once in a while a discount must be manually applied before you get the savings.

• Drive Less and Save – Keeping the miles down on your GMC could be rewarded with lower prices on the low mileage vehicles.
• Discount for Life Insurance – Some insurance carriers give lower prices if you buy some life insurance too.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
• Save over 55 – Seniors may be able to get a slight reduction on a auto insurance quote for SierraHD coverage.
• Discount for Multiple Policies – If you insure your home and vehicles with one company you could save nearly 15% which can help you find low cost auto insurance.
• Multiple Vehicles – Buying insurance for multiple cars on a single policy qualifies for this discount.
• No Claim Discounts – Claim-free drivers have much lower rates as opposed to drivers with a long claim history.
• New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because newer vehicles keep occupants safer.
• ABS Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
• Club Memberships – Joining a civic or occupational organization could qualify you for a break on auto insurance.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride.

To choose providers that offer many of these discounts, click here.

Tailor your insurance coverage to you

When buying the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help highlight whether or not you would benefit from professional advice.

• Does insurance cover damages from a DUI accident?
• Will I be non-renewed for getting a DUI or other conviction?
• Why am I required to get a high-risk car insurance policy?
• Can I drive in Mexico and have coverage?
• What is PIP insurance?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, theft, fire damage and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your GMC Sierra 1500HD.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance

This protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as funeral expenses, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle, colliding with a tree, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, surgery, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

A penny earned…

Affordable 2005 GMC Sierra 1500HD insurance can be found from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance coverage companies may not have internet price quotes and usually these small insurance companies only sell through local independent agents.

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. In many instances, someone dropped collision coverage only to regret that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest cost.

Additional resources

• Coverage Information (Progressive Insurance)
• Things to Know Before you Cancel Insurance (Allstate)
• Older Driver Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Top Signs Your Brakes are Giving Out (State Farm)