View 2007 GMC Sierra 1500 Classic Car Insurance Quotes

Finding cheaper insurance for a GMC Sierra 1500 Classic can normally be a painful process, but you can use a few tricks and make it easy. There is a better way to shop for car insurance and we’ll show you the absolute fastest way to quote coverages for a new or used GMC and obtain the lowest possible price from local insurance agents and online providers.

You should take the time to shop coverage around every six months because insurance prices go up and down regularly. Even if you got the best quotes for Sierra Classic insurance a couple years back you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn the best methods to find lower rates on car insurance.

Finding the best rates is not rocket science. If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maintaining coverages. Consumers only need an understanding of the most efficient way to shop for car insurance on the web.

The GMC Sierra 1500 Classic insurance price equation

When buying auto insurance it’s important to understand the rating factors that help determine your premiums. When you understand what influences your rates, this allows you to make educated decisions that could result in lower premium levels.

  • Liability coverage claims can be big – The liability coverage on your policy will provide protection when a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense to attempt to prove you were not liable. It is affordable coverage compared to comp and collision, so do not cut corners here.
  • City traffic equals higher premiums – Having an address in a rural area may provide you with better prices when insuring your vehicles. Drivers who live in large cities have more aggressive driving styles and longer commute times. Fewer drivers and short commutes means fewer accidents in addition to lower liability claims
  • Uninterrupted coverage saves money – Driving any period of time without insurance is a misdemeanor and companies may charge more for letting your insurance lapse. In addition to paying higher rates, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license.
  • Do you work long hours in a high stress vocation? – Did you know your career choice can influence rates? Careers such as fire fighters, social workers and emergency personnel tend to pay higher rates than the rest of us because of intense work situations and long work days. Other careers like actors, engineers and homemakers receive lower rates for Sierra Classic insurance.
  • Save money by having multiple policies – Most auto insurance companies give a discount for people who carry more than one policy in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to comparison shop to guarantee you are still saving the most. You may still be able to find a better deal by insuring with multiple companies.
  • Lower rates for married couples – Being married may earn you lower rates when buying auto insurance. Marriage demonstrates that you tend to be less irresponsible and insurance companies like that being married results in fewer claims.
  • GPS tracking and theft deterrents lower rates – Buying a car that has an advanced theft prevention system can earn a premium discount. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your car from being stolen.
  • Put fewer miles on your vehicle – Driving more miles every year the more you’ll pay to insure your vehicle. Most companies charge rates based on their usage. Autos left parked in the garage receive better premium rates than those that get driven frequently. Verify your policy states annual mileage. An improperly rated Sierra 1500 Classic can result in significantly higher rates.

Cheaper insurance coverage quotes with discounts

Insurance can be prohibitively expensive, but companies offer discounts that can help lower your rates. Some discounts will apply at the time you complete a quote, but once in a while a discount must be requested specifically prior to receiving the credit.

  • Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Accident Forgiveness – Not necessarily a discount, but certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
  • Distant College Student Discount – who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
  • Discount for Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Active Military Service – Being deployed in the military could be rewarded with lower rates.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • New Vehicle Savings – Putting insurance coverage on a new car can get you a discount because newer vehicles have to meet stringent safety requirements.
  • Discount for Low Mileage – Driving less can earn substantially lower insurance coveragerates.
  • Bundle and Save – If you can combine your auto and home policy with one insurance company you may earn at least 10 to 15 percent or more.

It’s important to understand that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. Even though the math looks like you could get a free insurance coverage policy, it just doesn’t work that way.

If you would like to view insurance companies that offer multiple discounts, follow this link.

But they said I’d save $404 a year!

Drivers can’t avoid all the ads that claim the best prices by Allstate, GEICO and Progressive. All the companies advertise claims of big savings if you just switch your auto insurance policy to them.

How does every company offer you a better deal? This is the trick they use.

All companies provide the lowest rates for the driver that earns them the most money. For example, a driver they prefer could possibly be over the age of 50, is a homeowner, and the vehicle is rated for pleasure use. Any driver who fits that profile will get very good car insurance rates and will probably cut their rates substantially.

People who do not fit the ideal profile will probably be forced to pay higher premium rates and this results in the customer not purchasing. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” save that much when switching. That is how insurance companies can make the claims of big savings. That is why it’s extremely important to compare rate quotes every year. It’s not possible to predict the company that will be your best fit.

Tailor your car insurance coverage to you

When buying coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might point out if you could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Are my friends covered when driving my 2007 GMC Sierra 1500 Classic?
  • Does insurance cover damages from a DUI accident?
  • Do I pay less if my vehicle is kept in my garage?
  • How do I file an SR-22 for a DUI in my state?
  • How much liability insurance is required?
  • Am I covered when pulling a rental trailer?

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 insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

Collision insurance covers damage to your Sierra 1500 Classic resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, rolling your car, hitting a mailbox, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability

Liability insurance can cover damage that occurs to other people or property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like court costs, medical expenses and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, fire damage, theft, rock chips in glass and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like funeral costs, doctor visits and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your GMC Sierra 1500 Classic.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Cheaper insurance is a realistic goal

Lower-priced auto insurance is attainable on the web in addition to many insurance agents, so you should compare both to have the best selection. Some auto insurance companies may not have online price quotes and these smaller companies only sell coverage through independent agents.

People leave their current company for any number of reasons including lack of trust in their agent, not issuing a premium refund, policy non-renewal or high rates after DUI convictions. It doesn’t matter what your reason, switching auto insurance companies is less work than it seems.

When you buy insurance online, never sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Much more information about auto insurance is located at these links:

Comments About 2007 GMC Sierra 1500 Classic Insurance

  1. Susanna Campos

    Will Progressive cancel me for an at-fault accident?

  2. Teisha Bonner

    Liked the article. Lifelong resident of Las Cruces, NM. Compared quite a few companies. Saved roughly $50 a month. State Farm was the best choice for me. Ask about discounts. I just quoted rates online.

  3. Alyson Gallegos

    I live just to the east of New Orleans, LA. Received rates from Safeco, Farmers, Allstate, and AAA for my 2007 GMC Sierra 1500 Classic and am saving around $370 a year.

  4. Gertude Lopez

    If you have a clean record and live near Tampa, Florida, check out Allstate. They seem to be cheaper.

  5. Elvis Tillman

    It all costs too much. Went with Sentry for my 2007 GMC Sierra 1500 Classic and cut my rates about $240 a year. Left Nationwide to switch. My new agent seems to be really good. Can still barely afford it.

  6. Davina Cook

    Does Maine require me to have car insurance?

  7. Cheri Miranda

    Will Progressive raise rates for a small claim?

  8. Lyman Newton

    I can’t pay high rates. I’m just west of Reno, Nevada. Compared rates from a lot of places. Saved darn near $40 a month. GEICO was the best choice for me. Have a couple speeding tickets too.

  9. Eleanora Roach

    Here’s what I found out. I live in a small town just outside of Owensboro, Kentucky. I got free rates from Western Auto Insurance, Auto-Owners, GMAC, and Safeco for my 2007 GMC Sierra 1500 Classic and I think I saved around $30 each month. I’m a pretty good driver though. Are quotes cheaper online?

  10. Nova Glover

    Got a quote with MetLife for my 2007 GMC Sierra 1500 Classic and am saving around $200 a year. Left Auto-Owners to switch. My new agent seems to be really good. It was easy to get rates.