1997 GMC Sierra 3500 Insurance Quotes – 9 Ways to Save

Want the cheapest insurance coverage rates for your GMC Sierra 3500? Are you burned out from not being able to scrape enough together to pay your insurance coverage bill each month? You have the same problem as most other drivers. Multiple car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer to get the lowest rate

It’s important to quote other rates once or twice a year since insurance prices change frequently. If you had the lowest price on Sierra insurance a couple years back a different company probably has better rate quotes today. You can find a lot of wrong information about insurance coverage out there, but you can learn some great ideas on how to put money back in your pocket.

Nine discounts for affordable insurance coverage rates

Companies offering auto insurance do not advertise every available discount very clearly, so the list below details a few of the more well known and the harder-to-find credits that may apply to you.

  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for slightly better prices than normal.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% on Sierra insurance depending on your company.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Defensive Driver – Passing a course that instructs on driving safety could save 5% or more if your company offers it.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
  • E-sign – Many insurance coverage companies provide a small discount get insurance coverage over the internet.
  • Cautious Driver Discounts – Drivers without accidents can save up to 40% or more on their insurance coverage quote on Sierra insurance than less cautious drivers.

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

A few of the larger companies and some of their more popular discounts are included below.

  • State Farm offers premium reductions for accident-free, safe vehicle, good driver, passive restraint, student away at school, and multiple policy.
  • Progressive may offer discounts for homeowner, continuous coverage, multi-vehicle, online signing, good student, and online quote discount.
  • Progressive offers discounts for online quote discount, continuous coverage, homeowner, multi-vehicle, multi-policy, online signing, and good student.
  • MetLife discounts include accident-free, multi-policy, defensive driver, good student, and good driver.
  • Farm Bureau may have discounts that include good student, driver training, safe driver, renewal discount, and multi-vehicle.
  • Geico includes discounts for five-year accident-free, federal employee, military active duty, emergency military deployment, multi-vehicle, anti-lock brakes, and membership and employees.
  • SAFECO may include discounts for anti-lock brakes, drive less, teen safe driver, multi-car, safe driver, and accident prevention training.

When getting a coverage quote, ask each insurance company what discounts are available to you. All car insurance discounts may not be offered in your area.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover whether you will benefit from professional help.

  • I have a DUI can I still get coverage?
  • How does medical payments coverage work?
  • Is motorclub coverage worth it?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should I drop full coverage on my 1997 GMC Sierra 3500?
  • Why do I need rental car insurance?
  • What are the best liability limits?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Collision coverage – This covers damage to your Sierra 3500 from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability insurance – Liability coverage will cover damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, dental work and doctor visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your GMC Sierra 3500.

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 should not be overlooked.

Compare but don’t skimp

More affordable insurance is available both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer internet price quotes and usually these small, regional companies sell through independent insurance agencies.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where someone dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal is to buy enough coverage at the best cost.

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