Compare 1996 GMC Sierra 2500 Car Insurance Quotes

Trying to find the cheapest car insurance rates for your GMC Sierra 2500? Are you drained from sacrificing other expenses each month for car insurance? You are no different than most other vehicle owners.

Vehicle owners have multiple car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, too many choices makes it more difficult to compare rates and find the lowest cost car insurance.

How to get insurance price quotes

Most major insurance companies make it easy to get coverage prices direct online. Obtaining pricing is easy for anyone as all you need to do is type in your personal and coverage information on the page. When the form is submitted, their quoting system obtains information on your driving record and credit history and gives you a price quote. Online price estimates helps simplify price comparisons, but the time required to go to multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it’s also necessary to get many rate quotes in order to find lower prices.

There is a better way!

The preferred way to find cheaper rates utilizes a single form that obtains quotes from more than one company. This type of form saves time, requires less work, and makes online quotes a little more enjoyable. After your information is entered, it gets priced and you can choose any one of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. It just takes a couple of minutes and you’ll know if lower rates are available.

To quickly use this form to compare rates, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with the coverages identical to your current policy. Doing this guarantees you will receive a fair comparison for the exact same coverage.

You may need specialized insurance coverage

When buying the best insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Am I missing any policy discounts?
• What are the best liability limits?
• How many claims can I have before being cancelled?
• What is covered by UM/UIM coverage?
• Why am I required to buy high-risk coverage?
• What exactly is covered by my policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is the ISO rating for a 1996 GMC Sierra 2500?
• Can I make deliveries for my home business?
• Am I better off with higher deductibles on my 1996 GMC Sierra 2500?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage considerations

Knowing the specifics of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 1996 GMC Sierra 2500.

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 is very important.

Coverage for collisions

This will pay to fix damage to your Sierra 2500 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as repair costs for stationary objects, loss of income and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, nursing services, dental work and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage 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 pays for claims like hitting a deer, fire damage and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.