1993 GMC Sierra 2500 Car Insurance Quotes

Trying to find lower auto insurance rates? Buyers have many options when searching for the best price on GMC Sierra 2500 insurance. You can either waste hours calling around to compare prices or utilize the internet to compare rates. There are more efficient ways to find auto insurance online so we’re going to tell you the proper way to compare rates on a GMC and obtain the cheapest rates from both online companies and local agents.

Car insurance policy discounts

The cost of insuring your cars can be expensive, but you may qualify for discounts that can help lower your rates. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be inquired about before being credited.

  • Early Renewal Discounts – Some companies provide a discount for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Military Rewards – Having a deployed family member could be rewarded with lower car insurance rates.
  • Discount for New Cars – Putting car insurance coverage on a new car can save up to 30% because new model year vehicles keep occupants safer.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • First Accident Forgiveness – Not really a discount, but some insurance companies will turn a blind eye to one accident without the usual rate increase if your claims history is clear prior to being involved in the accident.
  • E-sign – A few companies provide a small discount for buying your policy on the internet.

You can save money using discounts, but some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts should definitely cut the amount you pay for coverage.

Large car insurance companies and a partial list of their discounts are outlined below.

  • Geico may have discounts that include multi-policy, anti-lock brakes, seat belt use, driver training, five-year accident-free, defensive driver, and daytime running lights.
  • Travelers offers discounts for early quote, hybrid/electric vehicle, new car, multi-policy, and student away at school.
  • Farm Bureau offers discounts including good student, 55 and retired, driver training, multi-vehicle, safe driver, and multi-policy.
  • Liberty Mutual may include discounts for preferred payment discount, hybrid vehicle, safety features, good student, newly married, and multi-car.
  • American Family policyholders can earn discounts including multi-vehicle, early bird, bundled insurance, TimeAway discount, mySafetyValet, Steer into Savings, and defensive driver.
  • Progressive includes discounts for online signing, good student, multi-vehicle, online quote discount, and continuous coverage.

Double check with every insurance company the best way to save money. Savings may not apply to policyholders in your area. To see a list of companies that can offer you the previously mentioned discounts, follow this link.

Smart buyers can slash their insurance prices

Many different elements are considered when premium rates are determined. Some are pretty understandable like your driving record, although some other factors are more obscure such as your credit history and annual miles driven.One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help calculate insurance rates. If you have some idea of what controls the rates you pay, this helps enable you to make changes that may reward you with lower insurance prices.

  • Poor credit decisions can cost you – Your credit rating factor in calculating your insurance rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit history is low, you may save money insuring your 1993 GMC Sierra 2500 by taking the time to improve your credit score.
  • Better prices on vehicles with better crash test results – Vehicles with high crash test scores tend to have lower insurance rates. These vehicles reduce occupant injuries and fewer serious injuries means lower claim amounts which can result in lower premiums.
  • Extra coverages that aren’t used – There are a lot of optional add-on coverages that can add up if you aren’t careful. Coverages for vanishing deductibles, high-cost glass coverage, and extra life insurance coverage are examples of these. These may sound like a good investment when discussing your needs, but if they’re wasting money remove them from your policy.
  • Gender impacts rates – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Females and males are responsible for at-fault accidents in similar numbers, but the men cause more damage. In addition to higher claims, males also receive more major tickets like DUI and reckless driving.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • What if I total my 1993 GMC Sierra 2500 and owe more than it’s worth?
  • Am I covered if my car is in a flood?
  • Does insurance cover tools stolen from my truck?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my medical payments coverage pay my health insurance deductible?
  • Who is covered when they drive my 1993 GMC Sierra 2500?
  • When should I not file a claim?
  • Am I covered if I crash into my own garage door?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Auto insurance advertising gotchas

Drivers can’t escape the ads that promise big savings for switching by companies like Geico, State Farm and Progressive. All the ads convey the message that drivers can save some big amount if you just switch your policy.

How is it plausible that every one can make the same claim? It’s all in the numbers.

Insurance companies give the best rates for the type of insured they prefer to insure. An example of this type of risk profile may be between 30 and 50, carries full coverage, and drives a car with an anti-theft system. Someone that fits those parameters will get the preferred premium rates and will probably cut their rates substantially.

Insureds who don’t measure up to the requirements will get higher prices and the driver buying from a lower-cost company. The trick is to say “drivers that switch” not “all people who quote” save that much money. This is how insurance companies can confidently make those statements. Because each company has a different risk profile, it is so important to get insurance quotes from several different companies. It’s just too difficult to predict which insurance companies will have the lowest prices for your situation.

Car insurance coverage basics

Having a good grasp of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability

Liability insurance protects you from damage that occurs to people or other property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like loss of income, funeral expenses, medical services, medical expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like pain medications, surgery, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by 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. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Sierra 2500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, rock chips in glass, vandalism, damage from getting keyed and damage from flooding. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

A fool and his money are soon parted

As you quote insurance, make sure you don’t buy less coverage just to save a little money. There have been many cases where an accident victim reduced liability coverage limits and learned later that the savings was not a smart move. Your goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

People change insurance companies for many reasons like denial of a claim, unfair underwriting practices, not issuing a premium refund or even delays in responding to claim requests. Regardless of your reason, finding a new insurance company can be easier than you think.

There are still a few companies who may not provide rates over the internet and usually these regional carriers only sell coverage through local independent agents. More affordable insurance can be found online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

Additional insurance information is located on the following sites: