How Much Does 2005 GMC Sierra 3500 Car Insurance Cost?

Want better auto insurance rates? Drivers have many options when trying to find low-cost GMC Sierra 3500 insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to find the lowest rates.

There is a right way and a wrong way to shop for auto insurance and you need to know the proper way to get price quotes for your GMC and obtain the lowest possible price.

Consumers need to do rate comparisons before your next renewal since prices tend to go up over time. If you had the best price on Sierra insurance a couple years back you may be paying too much now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the best ways to find the best coverage while lowering your premiums.

How to buy insurance online

Finding cheap 2005 GMC Sierra 3500 insurance rates doesn’t have to be difficult. Consumers just need to spend a few minutes comparing price quotes online with multiple companies. It’s really simple and can be done using a couple different methods.

The simplest way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This style of form keeps you from doing separate quotes for each company you want a rate for. One quote request gets rate comparisons from many national carriers.It’s the quickest way to get rates.
Another way to find more affordable insurance is spending the time to visit each company website and repeat the quote process. For sake of this example, let’s say you are doing a rate comparison from USAA, Progressive and Geico. To find out each rate you need to navigate to each company’s site and punch in your information repeatedly, which is why the first method is quicker. To view a list of companies in your area, click here.
The old school way to comparison shop rate quotes to all the different insurance agencies. The internet eliminates this option unless you have a complicated situation and need the professional assistance that can only be provided by a licensed insurance agent. You can, however, find lower rates online and get advice from an agent in your area.

You can choose any of those ways to find more affodable coverage, but ensure you’re using identical coverage data on every quote. If you enter different coverage information it will be next to impossible to determine which company has the best rates.

Auto insurance policy discounts you can’t miss

Some insurers do not advertise every discount very well, so we researched a few of the more well known and also the lesser-known credits available to you.

Bundled Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
Distant College Student Discount – Older children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
Lower Rates for Military – Being on active deployment in the military could be rewarded with lower prices.
Online Discount – Many insurance companies provide a small discount shop car insurance on your computer.
No Accidents – Insureds who avoid accidents and claims can save substantially as opposed to accident-prone drivers.
Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.
Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

A few of the larger companies and their possible discounts are shown below.

Progressive has savings for online quote discount, good student, multi-policy, homeowner, and continuous coverage.
Geico offers premium reductions for anti-lock brakes, federal employee, seat belt use, military active duty, membership and employees, multi-vehicle, and five-year accident-free.
State Farm has discounts for student away at school, defensive driving training, multiple policy, accident-free, Drive Safe & Save, and anti-theft.
Esurance may have discounts that include Switch & Save, good driver, safety device, defensive driver, online shopper, and online quote.
The Hartford includes discounts for defensive driver, good student, anti-theft, vehicle fuel type, and bundle.

When getting free car insurance quotes, it’s a good idea to every prospective company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered in your area. To view insurers that have a full spectrum of discounts, click here.

Insurance agents can help

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

Can I afford to pay high deductible claims out of pocket?
Am I covered if I break a side mirror?
Does having multiple vehicles earn me a discount?
Is my teen driver covered when they drive my company car?
Is my cargo covered for damage or theft?
Are my tools covered if they get stolen from my vehicle?
How can I get my company to pay me more for my totalled car?
Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverage

Collision coverage will pay to fix damage to your Sierra 3500 resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, structural damage, loss of income, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for surgery, hospital visits, rehabilitation expenses, chiropractic care and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your 2005 GMC Sierra 3500.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto insurance

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

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.