Save on 2016 GMC Sierra 1500 Insurance Quotes

Looking for cheaper car insurance rates? Shoppers have a choice when shopping for the best price on GMC Sierra 1500 insurance. You can either spend your time calling around to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to compare car insurance rates and we’ll show you the proper way to quote coverages for a new or used GMC and find the lowest possible price from both online companies and local agents.

You need to shop coverage around periodically since prices are rarely the same from one policy term to another. If you had the best quotes for Sierra coverage at your last renewal you may be paying too much now. Ignore everything you know about car insurance because you’re about to find out the right way to save money, get proper deductibles and limits, all at the lowest rate.

Lower your insurance rates

Many things are considered when you get a price on insurance. Most are fairly basic like a motor vehicle report, although others are less apparent such as whether you are married or your financial responsibility.

  • Continuous auto insurance coverage saves money – Driving with no insurance is not a good idea and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage could earn you a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Raise coverage deductibles and save – Physical damage coverage, also called ‘full coverage’, is used to repair damage to your GMC. Some coverage claims would be a windshield shattered by a rock, hail damage, or theft. Your deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. The more of the claim you are required to pay out-of-pocket, the less money you will pay for auto insurance for Sierra coverage.
  • Liability protection claims can be big – A critical coverage on your policy, liability insurance will protect you in the event that you are determined to be liable for damages from an accident. This coverage provides legal defense starting from day one. Liability is cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • How old are your drivers? – More experienced drivers have been proven to be more responsible, cost insurance companies less in claims .Inexperience drivers are known to be inattentive and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher.
  • You might pay more if you are single – Having a spouse actually saves money on your auto insurance policy. Having a significant other demonstrates that you tend to be more mature than a single person and statistics show being married results in fewer claims.
  • Use one insurance company and save – Most insurance companies will give lower prices for people that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to verify if the discount is saving money. It’s possible to still save more without the discount by buying insurance from more than one company.
  • Prevent theft and save – Choosing to buy a car with anti-theft technology or alarm system can save you some money. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.

The quickest method to compare car insurance rates is to realize most of the bigger providers have advanced systems to compare their rates. The only thing you need to do is provide a little information like how much you drive, how much education you have, driver details, and if a SR-22 is needed. That rating data is instantly submitted to multiple top-rated companies and they respond with quotes almost instantly.

Insurance quotes and discounts

Some insurers don’t always publicize every available discount in an easy-to-find place, so here is a list a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Memberships – Being a member of certain professional organizations may earn a discount when getting a insurance quote.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Active Service Discounts – Having a family member in the military may qualify for rate reductions.
  • Claim-Free Discount – Claim-free drivers pay much less when compared to drivers who are more careless.
  • Multiple Cars – Buying insurance for primary and secondary vehicles with the same company qualifies for this discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the PIP or medical payment premium.
  • Driver Safety – Taking time to complete a course teaching driver safety skills may get you a small discount and also improve your driving technique.
  • Paperwork-free – Many insurance companies will discount your bill up to fifty bucks get insurance online.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, that’s just not realistic. Any qualifying discounts will bring down the cost of your policy.

To see a list of companies with the best discounts, follow this link.

Situations that may require an agent’s advice

When buying proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Is my 2016 GMC Sierra 1500 covered for smoke damage?
  • Can I get a multi-policy discount?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • How do I buy GAP insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When should I buy a commercial auto policy?
  • Are rental cars covered under my policy?
  • Is a blown tire covered by insurance?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability insurance – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, repair costs for stationary objects, loss of income and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants 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 as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision – This pays for damage to your Sierra 1500 from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, hitting a bird, hail damage, vandalism and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses like ambulance fees, doctor visits, dental work, X-ray expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

In the end, you save

People who switch companies do it for a variety of reasons including questionable increases in premium, delays in paying claims, high prices or denial of a claim. It doesn’t matter what your reason, finding the right car insurance provider is actually quite simple.

As you shop your coverage around, do not reduce needed coverages to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at an affordable rate, but do not skimp to save money.

Discount 2016 GMC Sierra 1500 insurance can be sourced online and from local agencies, and you should be comparing both so you have a total pricing picture. Some companies do not provide price quotes online and most of the time these small, regional companies sell through independent insurance agencies.

More learning opportunities