Save on 1991 GMC Sierra 3500 Insurance Cost

Searching for low-cost insurance for a new or used GMC Sierra 3500 can be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.

There are more efficient ways to find insurance coverage online so we’re going to tell you the absolute fastest way to compare rates for your GMC and locate the cheapest rates from both online companies and local agents.

It’s important to take a look at other company’s rates once or twice a year because insurance prices go up and down regularly. Even if you think you had the lowest rate on Sierra insurance on your last policy you may be paying too much now. You can find a lot of information about insurance coverage online but by reading this article, you’re going to learn a bunch of ideas how to find cheap insurance coverage.

Locating affordable protection is not that difficult. If you have a policy now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. Drivers just need to learn the proper methods to compare company rates over the internet.

Cheap car insurance rates with discounts

Auto insurance companies don’t always publicize the entire discount list in an easy-to-find place, so the following list contains both the well known as well as the least known credits available to you.

  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
  • One Accident Forgiven – This one isn’t a discount, but companies like State Farm and Geico will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Life Insurance – If the company offers life insurance, you could get lower prices if you buy a life insurance policy as well.
  • E-sign Discounts – A handful of larger companies will discount your bill up to fifty bucks just for signing your application digitally online.

As a footnote on discounts, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will cut the cost of your policy.

Companies and some of the discounts include:

  • Progressive has savings for online quote discount, continuous coverage, good student, online signing, and homeowner.
  • MetLife policyholders can earn discounts including multi-policy, good student, good driver, claim-free, accident-free, defensive driver
  • Mercury Insurance may offer discounts for accident-free, annual mileage, professional/association, anti-theft, and location of vehicle.
  • Nationwide may have discounts that include business or organization, defensive driving, easy pay, Farm Bureau membership, and family plan.
  • Geico offers discounts for anti-lock brakes, driver training, military active duty, daytime running lights, anti-theft, five-year accident-free, and seat belt use.
  • AAA may include discounts for anti-theft, pay-in-full, education and occupation, multi-policy, AAA membership discount, good student, and multi-car.

Before you buy a policy, ask every company how you can save money. Some credits might not be available to policyholders in your area. To choose companies that offer multiple discounts, click here.

Informed drivers can lower insurance rates

Smart consumers have a good feel for some of the things that help determine the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower rates. Many things are taken into consideration when you get your auto insurance bill. Some factors are common sense like your driving record, but some are more transparent like where you live or how financially stable you are.

The itemized list below are just a few of the factors used by insurance companies to determine premiums.

  • Discounts for married couples – Being married helps lower the price when buying insurance coverage. It may mean you are more financially stable and it’s proven that married drivers get in fewer accidents.
  • Employer reflects on prices – Occupations such as real estate brokers, executives and stock brokers tend to pay higher average rates due to intense work requirements and extremely grueling work hours. On the flip side, occupations like professors, engineers and homemakers receive lower rates on Sierra insurance.
  • Big cities have higher premiums – Being located in less populated areas is a positive aspect when trying to find low car insurance rates. Fewer drivers on the road means reduced accidents in addition to lower liability claims Drivers who live in large cities tend to have traffic congestion and a longer drive to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Cars with good safety ratings means better rates – Safe vehicles are cheaper to insure. Vehicles built for safety reduce injuries and fewer injuries means less money paid by your insurance company and thus lower rates.
  • Save money with higher comp and collision deductibles – Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your GMC. Examples of covered claims would be collision with another vehicle, damage caused by hail, and damage caused by flying debris. Physical damage deductibles define how much you are required to spend before your insurance coverage pays a claim. The higher the amount you choose to pay out-of-pocket, the less money you will pay for insurance coverage on Sierra insurance.
  • Extra policy coverages that may not be needed – There are a ton of add-on coverages that can add up on your Sierra 3500 policy. Add-on coverages like vanishing deductibles, towing, and term life insurance are some examples. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Careless drivers pay higher costs – Drivers who don’t get tickets pay less for auto insurance compared to bad drivers. Having a single driving citation can boost insurance rates by twenty percent. Drivers who have dangerous citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when driving a rental car?
  • Can I afford to pay high deductible claims out of pocket?
  • Is business equipment covered while in my vehicle?
  • Is there coverage for injuries to my pets?
  • How high should my medical payments coverage be?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Auto insurance ads are enticing

Consumers get pounded daily by advertisements that promise big savings for switching by State Farm, Geico and Progressive. All the companies seem to make the promise about how much you will save after switching your auto insurance policy to them.

How is it possible that every company can give you a lower rate? It’s all in the words they use.

Different companies have a certain “appetite” for the right customer that earns them a profit. For instance, this type of risk profile could be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. Someone who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.

Potential insureds who may not quite match these criteria will be quoted higher prices with the end result being the customer buying from someone else. Company advertisements say “customers that switch” not “all people who quote” will save that much if they switch. That is how insurance companies can lure you into getting a quote.

This really drives home the point why drivers must get car insurance quotes from several different companies. Because you cannot predict with any certainty which company will have the best premium rates for your profile.

Coverages available on your policy

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage – Med pay and PIP coverage kick in for bills like hospital visits, pain medications and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance covers damage to your Sierra 3500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, backing into a parked car, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a deer, rock chips in glass and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like emergency aid, structural damage, court costs, bail bonds and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

More choices the merrier

Insureds who switch companies do it for a variety of reasons including delays in responding to claim requests, denial of a claim, unfair underwriting practices and poor customer service. It doesn’t matter what your reason, finding a great new company is actually quite simple.

More affordable auto insurance can be purchased both online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies don’t offer rates over the internet and usually these smaller providers work with independent insurance agencies.

Throughout this article, we presented many ideas to reduce 1991 GMC Sierra 3500 insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a small mutual company.

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