View 2010 GMC Sierra 1500 Insurance Quotes

Locating the cheapest insurance for your GMC Sierra 1500 can turn out to be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the quickest way to price shop coverage for a new or used GMC and find the lowest price.

Consumers need to do rate comparisons as often as possible since prices are rarely the same from one policy term to another. Even if you got the best rates on Sierra coverage a couple years back you can probably find a better rate quote now. There is a lot of bad advice regarding auto insurance on the internet, but in just a couple of minutes you can learn some good information on how to find affordable auto insurance.

If you have a current car insurance policy or need new coverage, you can use this information to find better prices while maximizing coverage. Finding cheaper protection is not that difficult. Consumers just need to know the proper way to find the lowest price online.

Insurance discounts help slash rates

The price of auto insurance can be rather high, but there are discounts available that could drop your premiums quite a bit. Some discounts will apply at quote time, but some may not be applied and must be specifically requested prior to receiving the credit.

• Federal Employees – Active or retired federal employment may qualify for a discount when you quote insurance coverage on Sierra coverage with certain companies.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts could save 15% off the medical payments premium.
• Club Memberships – Belonging to qualifying clubs or civic groups is a good way to get lower rates on insurance.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Policy Bundle Discount – When you have multiple policies with the same company you could earn a discount of as much as 10 to 15 percent.
• Military Rewards – Having a deployed family member can result in better premium rates.

While discounts sound great, it’s important to understand that many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way.

A partial list of companies that may offer policyholders these benefits are:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

When getting a coverage quote, ask every prospective company how many discounts you can get. All car insurance discounts might not apply in every state.

Educated choices result in lower insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of the factors that help calculate your premiums. When you understand what influences your rates, this empowers consumers to make smart changes that could result in lower rates. Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving history, but other criteria are more obscure such as whether you are married and annual miles driven.

Shown below are some of the major factors insurance companies consider when setting rates.

• Vehicle options can affect premiums – Choosing a vehicle with a theft deterrent system can help bring down rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
• Prices and employer – Jobs like judges, executives and dentists generally have the highest average rates because of stressful work requirements and lots of time spent away from family. On the flip side, jobs such as scientists, students and performers pay the least on Sierra coverage.
• Safer cars cost less to insure – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety reduce injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.
• Insurance rates in urban areas – Choosing to live in smaller towns and rural areas of the country is a positive aspect when talking about insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Residents of big cities tend to have much more traffic and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.
• Liability protection limits should be high – Your insurance policy’s liability coverage will protect you when you are ruled to be at fault for an accident. Liability provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.
• Does insurance coverage cost more for men? – Over time, data shows that females tend to be a little less risky than males. This data doesn’t prove that men are worse drivers. Women and men get in at-fault accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving. Males from age 16 to 21 cause the most accidents and therefore pay the highest rates.

Which is the best car insurance?

When buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions may help you determine if your situation would benefit from professional advice.

• Do I have coverage when making deliveries for my home business?
• What can I do if my company won’t pay a claim?
• Is my business laptop covered if it gets stolen from my vehicle?
• Where can I get insurance after a DUI in my state?
• When should I remove comp and collision on my 2010 GMC Sierra 1500?
• Are split liability limits better than a combined single limit?
• Am I covered if I crash into my own garage door?
• Will I lose any money if I cancel my policy before it expires?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need motorclub coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance savings promises

Drivers constantly see and hear ads that claim the cheapest prices by Geico, State Farm and Progressive. All the companies tend to make the same promise of big savings if you just switch your policy.

How is it plausible that every one can claim to save you money?

Insurance providers have specific criteria for the type of customer that earns them a profit. A good example of a profitable insured might be described as between 25 and 40, carries full coverage, and drives less than 7,500 miles a year. Someone who matches those parameters will get the preferred premium rates and will also save when they switch companies.

Insureds who fall outside the ideal profile will be quoted a higher premium and business going elsewhere. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save the amount stated. This is how companies can truthfully claim big savings.

Because of these techniques, you need to get as many free insurance coverage quotes as possible. You cannot predict the company that will be your best fit.

Auto insurance 101

Understanding the coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Auto liability

Liability insurance can cover injuries or damage you cause to a person or their property. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as legal defense fees, structural damage and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage

Collision coverage pays for damage to your Sierra 1500 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, rolling your car, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your GMC Sierra 1500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as doctor visits, rehabilitation expenses, hospital visits, ambulance fees and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, theft and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Get your money’s worth

Throughout this article, we presented a lot of techniques to compare 2010 GMC Sierra 1500 insurance car insurance rates online. It’s most important to understand that the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on insurance is with a small local company.

When getting insurance coverage quotes online, you should never buy less coverage just to save a little money. In many instances, someone sacrificed liability coverage limits only to find out they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best possible price and still be able to protect your assets.

Some insurance companies may not provide rates over the internet small insurance companies provide coverage only through independent agents. Discount 2010 GMC Sierra 1500 insurance can be bought from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

Additional information can be found at these links:

• Airbag FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Side Impact Crash Tests (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)