1999 GMC Sierra 1500 Insurance Quotes

I can’t think of anyone who likes having to buy auto insurance, particularly when their premiums are too high.

Having so many choices of insurance companies, it can be impossible to pick the most affordable insurer.

It is always a good idea to check auto insurance prices every six months because auto insurance prices fluctuate regularly. Despite the fact that you may have had the best rates on Sierra coverage two years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the proper way to find the best coverage while lowering your premiums.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Although consumers must understand how the larger insurance companies determine prices because it can help you find the best coverage.

Auto insurance quotes comparison

There are a variety of methods to compare auto insurance quotes, but some are less labor-intensive and much quicker. You could waste a few hours talking to agents in your area, or you can utilize the internet to get rates in a matter of minutes.

Many insurance companies participate in a marketplace where insurance shoppers send in one quote, and each company then gives them pricing based on the submitted data. This saves time by eliminating quote forms to each individual auto insurance company. To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to using this type of form is you don’t know exactly the companies you want pricing from. So if you prefer to pick specific insurance companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare exactly the same coverages with every price quote. If you are comparing higher or lower deductibles you will not be able to make a fair rate comparison. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, more quotes provides better odds of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide online quotes, so you need to compare rates on coverage from those companies, too.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you may require specific advice.

Do I have coverage when pulling a U-Haul trailer?
How much underlying liability do I need for an umbrella policy?
What is high-risk coverage and where do I buy it?
Who is covered by my policy?
Is my cargo covered for damage or theft?
Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Specific coverages for a GMC Sierra 1500

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like medical services, structural damage, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Auto collision coverage

This covers damage to your Sierra 1500 caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 1999 GMC Sierra 1500.

Since many drivers only carry the minimum required liability 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.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for ambulance fees, dental work, funeral costs, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage