Compare 1996 GMC Sierra 3500 Insurance Rates

Want lower car insurance rates for your GMC Sierra 3500? If you’re looking for more affordable insurance on the web, are you overwhelmed by the wide range of car insurance choices in your area? You have so many choices that it can turn into a big hassle to lower your prices.

Consumers need to check car insurance prices yearly because rates fluctuate regularly. Just because you found the lowest premium rates on Sierra insurance a few years ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to get good coverage at a lower rate.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. Shopping for affordable protection can be fairly easy. Although vehicle owners must know how big insurance companies determine prices.

How to find cheap car insurance

When shopping for cheaper auto insurance quotes, there are a couple of ways to compare prices from all the different companies. The quickest method to find the cheapest GMC Sierra 3500 insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

  • The fastest and easiest way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating separate forms for every car insurance company. Completing one form gets you coverage quotes from multiple low-cost companies.It’s the quickest way to get rates.
  • A slightly less efficient method to analyze rates is spending the time to visit the website for each individual company and repeat the quote process. For instance, we’ll assume you want to compare Nationwide, 21st Century and GMAC. To find out each rate you need to spend time going to each site individually and enter your policy data, which is not fast way to get rate quotes. For a list of companies in your area, click here.
  • The last method to find lower rates is to spend your day driving to all the different insurance agencies. Comparing rates online eliminates the middleman unless you prefer the trained guidance of a licensed agent. It is possible with some companies get prices online but have a local agent actually write the policy.

It’s up to you which method you use, but double check that you are using nearly identical information for each quote you get. If you are comparing different limits and deductibles on each one you can’t possibly decipher which rate is best. Slightly different limits may result in large price differences. Just remember that obtaining a wide range of quotes helps you find the best rates.

Do you qualify for discount auto insurance?

Some insurers don’t necessarily list every policy discount very well, so we took the time to find a few of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online.

  • Club Memberships – Belonging to qualifying employment or professional organizations may earn a discount on your bill.
  • Employee of Federal Government – Active or retired federal employment could provide a small rate reduction on Sierra insurance with some auto insurance companies.
  • Discount for Life Insurance – Select companies reward you with lower prices if you buy a life insurance policy as well.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small decrease in premiums on Sierra insurance.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in school.
  • Discounts for Responsible Drivers – Accident-free drivers can save up to 40% or more on their auto insurance quote on Sierra insurance than drivers with accident claims.

We need to note that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will help lower the amount you have to pay.

Larger auto insurance companies and some of the discounts are outlined below.

  • Progressive offers discounts including good student, multi-vehicle, online quote discount, multi-policy, and continuous coverage.
  • The Hartford offers premium reductions for bundle, driver training, good student, anti-theft, and air bag.
  • Mercury Insurance discounts include anti-theft, age of vehicle, professional/association, multi-car, good student, and ease of repair.
  • Geico may have discounts that include good student, defensive driver, anti-theft, emergency military deployment, federal employee, military active duty, and multi-policy.
  • AAA may offer discounts for multi-policy, good student, multi-car, AAA membership discount, good driver, and pay-in-full.
  • State Farm may include discounts for accident-free, Drive Safe & Save, passive restraint, safe vehicle, multiple policy, and driver’s education.

If you need lower rates, check with each company how many discounts you can get. Some discounts may not be available in your area. If you would like to choose from a list of insurers who offer auto insurance discounts, follow this link.

How to lower your insurance premiums

Lots of things are part of the equation when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other factors are less obvious like where you live or how financially stable you are.

Shown below are some of the major factors utilized by car insurance companies to help set your prices.

  • Insurance rates in urban areas – Residing in smaller towns and rural areas of the country can be a good thing when trying to find low car insurance rates. City drivers have to deal with more auto accidents and much longer commute distances. Fewer drivers means fewer accidents.
  • See if your company offers a multi-policy discount – Some insurers afford lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can be ten percent or more. Even with this discount, it’s in your best interest to shop around to help guarantee you have the best rates.
  • Save money by raising physical damage deductibles – Physical damage deductibles represent how much money you are required to spend before your insurance pays a claim. Coverage for physical damage, also called ‘full coverage’, insures against damage to your car. Some examples of claims that would be covered could be rearending another vehicle, damage caused by hail, or theft of your vehicle. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Sierra insurance.
  • Does your job raise your premiums? – Careers such as doctors, social workers and emergency personnel usually pay higher premium rates in part from job stress and lots of time spent away from family. On the flip side, jobs such as professors, historians and performers generally pay rates lower than average on Sierra insurance.
  • Lower rates for cars with good safety ratings – Safe vehicles can get you lower premiums. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your GMC Sierra 3500 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Too many insurance claims and you’ll pay more – Companies award lower rates to insureds who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • High credit equals lower prices – An insured’s credit rating can be a huge factor in determining your rates. So if your credit rating leaves room for improvement, you could potentially save money when insuring your 1996 GMC Sierra 3500 by improving your rating. Consumers who have good credit tend to be more responsible and file fewer claims than drivers with poor credit scores.
  • Accidents hurt – Drivers with clean records receive lower rates compared to bad drivers. Having a single ticket may cause rates to rise substantially. Drivers unfortunate enough to have dangerous violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to keep their license.

What insurance coverages do I need?

When choosing the best insurance coverage coverage, there is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Can I drive in Mexico and have coverage?
  • Is my babysitter covered when using my vehicle?
  • I don’t drive much so do I pay less?
  • Who is covered by my policy?
  • How many claims can I have before being cancelled?
  • Should I waive the damage coverage when renting a car?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses such as dental work, hospital visits, pain medications, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Collision protection

This coverage pays for damage to your Sierra 3500 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, damaging your car on a curb, crashing into a ditch, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, theft, vandalism and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 1996 GMC Sierra 3500.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Spend less. Save more.

When you buy auto insurance online, make sure you don’t reduce coverage to reduce premium. In many cases, an insured cut liability coverage limits only to find out they didn’t have enough coverage. The goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Drivers change insurance companies for many reasons like policy cancellation, extreme rates for teen drivers, an unsatisfactory settlement offer and poor customer service. It doesn’t matter why you want to switch switching insurance coverage companies is not as difficult as it may seem.

We covered many ideas to lower your 1996 GMC Sierra 3500 insurance prices. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the best price on insurance coverage is with a smaller regional carrier.

More information is located at the links below