1996 GMC Sonoma Insurance Quotes

Finding better insurance prices for a new or used GMC Sonoma could be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to shop for car insurance and we’ll show you the quickest way to get price quotes for a new or used GMC and locate the lowest possible price.

You should make it a habit to shop coverage around on a regular basis since prices change frequently. Even if you think you had the lowest price on Sonoma coverage at your last renewal you can probably find a lower rate today. There is lot of inaccurate information about car insurance on the internet, but by reading this article, you’re going to learn some great ways to find affordable car insurance.

Take advantage of every insurance discount

Insurance is easily one of your largest bills, but you may qualify for discounts that can drop the cost substantially. Most are applied at quote time, but some discounts are required to be asked for before being credited.

  • Homeowners Pay Less – Owning a house may trigger a policy discount on insurance because maintaining a house requires personal responsibility.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase auto and life insurance together.
  • Auto/Home Discount – If you have multiple policies with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
  • Discount for Swiching Early – Select larger companies give a discount for renewing your policy prior to your current policy expiring. You may see this discount when you get car insurance quotes online.
  • Senior Citizen Rates – Older drivers can possibly qualify for a small discount on rates on Sonoma coverage.

We need to note that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount will reduce the amount you have to pay.

Popular insurance companies and the discounts they provide include:

  • Geico may have discounts that include defensive driver, daytime running lights, air bags, anti-lock brakes, membership and employees, emergency military deployment, and multi-vehicle.
  • MetLife policyholders can earn discounts including accident-free, claim-free, multi-policy, good student, and good driver.
  • State Farm has discounts for good driver, accident-free, student away at school, passive restraint, safe vehicle, and multiple policy.
  • Progressive offers discounts for good student, continuous coverage, online signing, multi-vehicle, homeowner, online quote discount, and multi-policy.
  • Mercury Insurance includes discounts for professional/association, anti-theft, ease of repair, low natural disaster claims, good student, and multi-car.
  • 21st Century offers discounts including theft prevention, automatic seat belts, good student, air bags, and driver training.
  • Allstate discounts include EZ pay plan discount, new car, auto/life discount, early signing, defensive driver, premier discount, and senior citizen.

If you want cheap car insurance quotes, ask all the companies which discounts they offer. Depending on the company, some discounts may not apply everywhere. If you would like to view insurance companies with the best discounts, click here.

Free insurance quotes

Comparing insurance rates can be a daunting task if you don’t utilize the easiest way. You could spend your day talking to local insurance agents in your area, or you could save time and use online quoting to get prices fast.

All the larger companies belong to an insurance system where prospective buyers send in one quote, and every company provides a quote determined by their information. This eliminates the need for repetitive form submissions to every company. To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of form is you don’t know exactly the insurers you want to price. If you prefer to choose specific insurance companies to compare prices, we have a page of the cheapest insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make sure you use apples-to-apples coverage information on every price quote you get. If you compare different liability limits you will not be able to determine the lowest rate for your GMC Sonoma.

How to know if you need help

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Am I covered if I hit a deer?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when driving a rental car?
  • What can I do if my company won’t pay a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • How can I find cheaper teen driver insurance?
  • Do I pay less for low miles?
  • Can I still get insurance after a DUI?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Specific coverages for a GMC Sonoma

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision – Collision coverage will pay to fix damage to your Sonoma from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, rolling your car, sustaining damage from a pot hole, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like prosthetic devices, hospital visits, dental work and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – Liability insurance will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, bail bonds, court costs, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass and fire damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Summing up your car insurance search

We’ve covered a lot of tips how to save on 1996 GMC Sonoma insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may discover the best rates are with a smaller regional carrier.

Lower-priced car insurance is attainable online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and usually these smaller providers only sell coverage through local independent agents.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

Additional detailed information is located at these sites: