2003 GMC Sierra 1500HD Insurance Rates

Finding cheaper insurance for a GMC Sierra 1500HD can turn out to be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to compare auto insurance rates and we’ll show you the absolute fastest way to quote coverages on a GMC and get the best price possible from both online companies and local agents.

Locating the best insurance can be fairly easy. If you are insured now or need new coverage, you can use these tips to shop for the lowest rates while maximizing coverage. Drivers just need to know the proper methods to shop for insurance over the internet.

How to buy insurance coverage online

Most of the larger companies such as Geico, State Farm and Progressive provide insurance quotes on their websites. The process is easy for anyone as all you need to do is type in the amount of coverage you want on the page. Behind the scenes, their rating system automatically retrieves credit information and your driving record and provides a quote determined by many factors.

Being able to quote online helps simplify price comparisons, but having to visit different websites and enter the same data into a form can get tiresome after awhile. But it’s necessary to compare as many rates as possible in order to get lower prices.

Online rates the easy way

A less time-consuming method to find lower prices makes use of a single form to get prices from several companies at one time. The form is fast, requires less work, and makes online shopping much easier to do. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the returned quotes.

If you find a better price you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To quickly use this form to compare rates, click here to open in new window and fill out the form. If you currently have coverage, we recommend that you enter identical to your current policy. This way, you’re receiving an apples-to-apples comparison for exact coverage.

It’s not one size fits all

When choosing the best auto insurance coverage, there really is no cookie cutter policy. Each situation is unique.

For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • What is PIP insurance?
  • Does my 2003 GMC Sierra 1500HD need full coverage?
  • I have health insurance so do I need medical payments coverage?
  • What is covered by UM/UIM coverage?
  • Do I have coverage if my license is suspended?
  • Is a fancy paint job covered?
  • How does medical payments coverage work?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage considerations

Having a good grasp of insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses for things like dental work, pain medications, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability – Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use 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 coverage protects against claims such as legal defense fees, attorney fees, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Collision coverage – This coverage covers damage to your Sierra 1500HD from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, damaging your car on a curb, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.