Compare 1995 GMC Sierra 3500 Car Insurance Quotes

No one in their right mind enjoys paying for insurance, especially when they are aware that the price is too high. Due to the large number of choices of insurance companies, it’s nearly impossible to pick the lowest cost insurance company.

Smart consumers take time to compare premium rates periodically because rates go up and down regularly. Even if you got the lowest rate on Sierra insurance six months ago a different company probably has better prices today. Block out anything you think you know about insurance because we’re going to demonstrate the fastest and easiest way to eliminate unnecessary coverages and save money.

Low cost auto insurance prices

Many insurance companies provide price estimates on the web. Getting prices online doesn’t take a lot of time because it’s just a matter of typing in your coverage preferences into the form. After you submit the form the company’s rating system collects your credit score and driving record and returns pricing information based on these and other factors. Online quotes makes comparing rates easy, but the work required to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it’s necessary to perform this step if you want to find a better rate.

A quicker way to compare rates requires only one form to obtain quotes from a bunch of companies at once. It saves time, eliminates form submissions, and makes price shopping online much more enjoyable. After sending the form, it is rated and you can select any of the returned quotes. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on auto insurance, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you copy coverages and limits just like they are on your policy. This helps ensure you will have a rate comparison based on the exact same insurance coverage.

Can switching companies really save?

Consumers get pounded daily by advertisements that claim the cheapest prices by companies like State Farm and Allstate. All the ads try to convey promises that you can save if you get a free car insurance quote and switch to them.

How do they all lower your prices? It’s all in the words they use.

Insurance providers have specific criteria for the right customer that will not have excessive claims. For example, this type of risk profile may need to be a female over age 40, has no driving citations, and has excellent credit. Anybody that fits those parameters will get low car insurance rates and will probably save if they switch.

Insureds who may not quite match those criteria may be required to pay higher prices which usually ends up with business going elsewhere. Company advertisements say “people that switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can truthfully make those claims. This really drives home the point why you absolutely need to compare as many free car insurance quotes as you can. It is impossible to predict which company will have the lowest rates for your situation.

Smart buyers save money

Part of the insurance coverage buying process is learning the factors that are used to determine the level of your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that can earn you cheaper rates. Many factors are used when pricing auto insurance. Most are fairly basic such as your driving history, although others are less apparent like your continuous coverage or how safe your car is.

  • Does auto insurance cost more for men? – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that females are better drivers. Females and males are in at-fault accidents in similar percentages, but the males have costlier accidents. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving.
  • Policy add-ons can waste money – Policies have add-on coverages that you can buy if you don’t pay attention. Coverages for rental car reimbursement, towing, and membership fees are some examples. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Liability protection limits should be high – Your policy’s liability coverage provides coverage if ever you are found liable for physical damage or personal injury to other. This coverage provides for a legal defense which can be incredibly expensive. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Annual miles impacts rates – The more you drive in a year’s time the more it will cost to insure it. Most insurance companies charge rates partially by how you use the vehicle. Cars and trucks used primarily for pleasure use cost less to insure than cars that get driven a lot. An incorrectly rated Sierra 3500 can cost quite a bit. It’s always a good idea to double check that your policy states the correct usage, because it can save money.
  • Low deductibles cost more – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of covered claims would be a windshield shattered by a rock, damage from fire, and damage from a fallen tree branch. Comp and collision deductibles define how much you are required to spend out-of-pocket in the event of a claim. The more of the claim you choose to pay out-of-pocket, the less your insurance coverage will be on Sierra insurance.
  • Prices and your address – Residing in areas with lower population can be a good thing when trying to find low car insurance rates. Lower population translates into fewer accidents and lower theft and vandalism rates. City drivers have more auto accidents and longer commutes to work. The longer drive time means more chance of being in an accident.
  • Less chance of injury means lower premiums – Safer cars tend to have better insurance rates. The safest vehicles protect occupants better and lower injury rates means your insurance company pays less and cheaper rates on your policy. If your GMC earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

You may qualify for discounts

Some providers don’t list every policy discount in a way that’s easy to find, so the below list has both the well known and the more hidden discounts that may be available.

  • Onboard Data Collection – Drivers who agree to allow companies to scrutinize their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.
  • Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance too.
  • Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Auto/Home Discount – If you can combine your auto and homeowners policy with one insurance company you could save at least 10% off all policies.
  • Low Miles Discount – Maintaining low annual mileage may allow you to get discounted insurancerates on garaged vehicles.
  • Multi-car Discount – Insuring multiple cars on one policy qualifies for this discount.

Don’t be shocked that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

Some of the insurance companies that may include these benefits include:

When getting free car insurance quotes, it’s a good idea to all companies you are considering which credits you are entitled to. Discounts might not be available to policyholders in your state. To choose insurance companies that provide some of the discounts listed above, click here.

There’s no such thing as the perfect car insurance policy

When buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Can I still get insurance after a DUI?
  • When should I not file a claim?
  • Do all my vehicles need collision coverage?
  • Am I missing any policy discounts?
  • Does coverage extend to my business vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How can I get my company to pay me more for my totalled car?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Specific coverages for a GMC Sierra 3500

Having a good grasp of your car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Liability coverage

This can cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical services, attorney fees, court costs, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like nursing services, EMT expenses and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision insurance

This covers damage to your Sierra 3500 caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, crashing into a building, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your GMC Sierra 3500.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Better coverage you can count on

Affordable 1995 GMC Sierra 3500 insurance can be sourced from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer price quotes online and most of the time these small, regional companies only sell through independent agencies.

In this article, we presented many tips how you can shop for 1995 GMC Sierra 3500 insurance online. It’s most important to understand that the more times you quote, the better likelihood of getting inexpensive car insurance. You may even find the most savings is with the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

Additional detailed information is located at these sites: