2007 GMC Sierra 1500 Classic Insurance Rates

Searching for lower car insurance rates for your GMC Sierra 1500 Classic? Think you have an underperforming, overpriced car insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy.

There is such a variety of car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates and find the lowest cost car insurance.

It is always a good idea to do price comparisons quite often since prices are constantly changing. If you had the lowest rates on Sierra Classic insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the easiest ways to reduce your cost while improving coverage.

How to lower your insurance coverage cost

To find cheap car insurance quotes, there are several ways to compare rate quotes from different insurance companies. The recommended way to comparison shop consists of shopping online. This can be accomplished in a couple of different ways.

  1. The most recommended method to find low rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate forms to each individual insurance coverage company. One quote request gets prices estimates from insurance coverage companies with the best prices.
  2. A more difficult way to obtain and compare quotes online requires a trip to the website of each company and fill out a new quote form. For examples sake, we’ll assume you want to compare Progressive, Geico and GMAC. To find out each rate you need to spend time going to each site individually and repeatedly enter your information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you compare exactly the same coverage data with each company. If you compare higher or lower deductibles it will be next to impossible to determine which rate is truly the best. Slightly different coverages could throw off the whole comparison. Keep in mind that getting more free quotes gives you a better chance of getting more affordable insurance.

Save 15 percent in 15 minutes? Is it for real?

Insurance coverage companies such as Allstate, Geico and Progressive endlessly run ads on TV and radio. All the ads convey the message that drivers can save some big amount if you move your insurance coverage coverage to their company. That’s great but how can every company give you a better price? This is the trick they use.

Different companies provide the lowest rates for the right customer that is profitable for them. For example, a profitable insured might have to be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. Someone who matches that profile receive the lowest rate quotes and will save when they switch companies.

Drivers who fall short of these stringent criteria will be charged a more expensive rate and this can result in the customer not purchasing. The trick is to say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That is how companies can make those claims.

Because of this risk profiling, it is so important to get car insurance quotes from several different companies. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

Take policy discounts and save

Companies offering auto insurance don’t always publicize all disounts in a way that’s easy to find, so the list below details some of the best known as well as some of the hidden savings tricks you should be using when you buy car insurance online. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Federal Government Employee – Federal government employees could provide a small rate reduction on Sierra Classic insurance depending on your company.
  • Sign Early and Save – Some insurance companies provide a discount for signing up prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.
  • Low Miles Discount – Driving fewer miles can earn slightly better rates than normal.
  • Save over 55 – Older drivers can get a small discount on rates on Sierra Classic insurance.
  • Claim Free – Drivers who stay claim-free can save substantially in comparison to frequent claim filers.
  • E-sign Discounts – A few car insurance companies provide a small discount for buying a policy and signing up on the internet.
  • Buy New and Save – Buying a new car model is cheaper because new model year vehicles are generally safer.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in high school.
  • Data Collection Discounts – Drivers that enable their car insurance company to look at where and when they drive remotely such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

A list of companies and their possible discounts can be found below.

  • Farmers Insurance may offer discounts for bundle discounts, pay in full, early shopping, homeowner, and distant student.
  • Esurance discounts include online shopper, defensive driver, good student, paid-in-full, anti-theft, and Pac-12 alumni.
  • State Farm may have discounts that include driver’s education, safe vehicle, anti-theft, good student, and multiple autos.
  • Geico may include discounts for emergency military deployment, multi-vehicle, federal employee, air bags, and driver training.
  • Allstate has discounts for EZ pay plan discount, passive restraint, premier plus, early signing, and economy car.

It’s a good idea to ask all companies you are considering which credits you are entitled to. Some credits may not be available in every state. To see providers offering car insurance discounts, click here to view.

Which policy gives me the best coverage?

When it comes to buying the best car insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining whether you will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I have combined single limit or split liability limits?
  • Am I covered if I break a side mirror?
  • Can I afford to buy a different vehicle if my 2007 GMC Sierra 1500 Classic is totaled?
  • Does insurance cover tools stolen from my truck?
  • Am I covered when driving on a suspended license?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Insurance coverage options for a GMC Sierra 1500 Classic

Having a good grasp of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Coverage for collisions

This will pay to fix damage to your Sierra 1500 Classic caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, a tree branch falling on your vehicle, vandalism and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims. It does not 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. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like court costs, structural damage, medical services and attorney fees. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like X-ray expenses, dental work, EMT expenses and surgery. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Cheaper insurance is a realistic goal

Throughout this article, we presented some good ideas how you can get a better price on 2007 GMC Sierra 1500 Classic insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheaper car insurance. Consumers could even find that the lowest prices are with a lesser-known regional company. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as Progressive or Geico.

The cheapest 2007 GMC Sierra 1500 Classic insurance can be found from both online companies in addition to local insurance agencies, so you need to shop car insurance with both to get a complete price analysis. Some insurance companies do not offer online quoting and usually these small, regional companies sell through local independent agents.

More detailed insurance information can be found by following these links: