1991 GMC Sierra 2500 Insurance Quotes – 6 Policy Discounts

Searching for lower insurance rates for your GMC Sierra 2500? Are you frustrated by the wide range of insurance choices in your area? Lot’s of other drivers are too. There are so many choices that it can easily turn into a real difficult job to lower your prices.

If you are paying for car insurance now, you should be able to cut costs considerably using these tips. Locating cheaper insurance can be fairly easy. But consumers can benefit from knowing the methods companies use to compete online and apply this information to your search.

How much does car insurance cost?

Shopping for lower car insurance rates can be challenging if you aren’t aware of the most efficient way to do it. You could waste a few hours talking about coverages with agents in your area, or you could use online quotes to get prices fast.

Most car insurance companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company can provide price quotes based on that data. This eliminates the need for repetitive form submissions to every company.

To find out how much you’re overpaying now click to open in new window.

The single downside to comparing rates this way is you can’t choose which companies to get quotes from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using the same coverage data for each comparison quote. If you compare different deductibles it will be very difficult to determine which rate is truly the best. Quoting even small variations in limits could mean much higher rates. Keep in mind that making a lot of price comparisons helps locate the best rates. Some companies don’t provide prices over the internet, so it’s recommended that you also compare price quotes from them as well.

Save money with these six car insurance discounts

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so below is a list both the well known and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Discounts for Federal Employees – Simply working for the federal government can save as much as 8% on Sierra coverage with some car insurance companies.
  • Safety Course Discount – Participating in a course in defensive driving could cut 5% off your bill and make you a better driver.
  • Paperless Signup – Some of the larger companies will provide an incentive simply for signing on the web.
  • Service Members Pay Less – Being on active duty in the military could trigger a small discount.
  • Bundle and Save – When you combine your auto and homeowners insurance with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

We need to note that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous.

If you would like to view companies that can offer you the previously mentioned discounts, follow this link.

Car insurance can get complicated

When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions may help you determine whether you might need an agent’s assistance.

  • What is the ISO rating for a 1991 GMC Sierra 2500?
  • Is rental equipment covered for theft or damage?
  • Does having multiple vehicles earn me a discount?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my dog or cat covered if injured in an accident?
  • Do I pay less for low miles?
  • Do I need more liability coverage?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Is there truth in advertising?

Big name companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads tend to make the same promise that you can save just by moving your coverage to them. How does each company cost less than your current company? It’s all in how they say it.

Most companies quote their best rates for the type of driver that will be a good risk. A good example of a desirable insured could be over the age of 45, carries high limits, and does not commute to work. A customer getting a price quote that hits that “sweet spot” may get the lowest rates and will probably save a lot of money.

People who don’t measure up to these stringent criteria will probably be forced to pay a higher rate and this results in the customer not purchasing. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently lure you into getting a quote.

This really drives home the point why you need to get car insurance quotes from several different companies. It is impossible to guess with any certainty which company will fit you best based on your risk profile.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, a broken windshield, theft, damage from a tornado or hurricane and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance – Med pay and PIP coverage pay for expenses like EMT expenses, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This will cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision – This coverage pays for damage to your Sierra 2500 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

In Summary

There are still a few companies who do not provide the ability to get quotes online and these small insurance companies prefer to sell through independent agencies. Cheaper 1991 GMC Sierra 2500 insurance can be found from both online companies in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money.

When getting car insurance quotes online, never buy poor coverage just to save money. In many cases, someone sacrificed full coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

You just read many ideas to lower your 1991 GMC Sierra 2500 insurance car insurance rates. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable car insurance. Consumers could even find that the lowest priced auto insurance comes from the smaller companies.

More information is located on the following sites: