Compare 1998 GMC Sierra 3500 Insurance Cost

Looking for the cheapest insurance coverage rates? Shoppers have many options when shopping for the lowest priced GMC Sierra 3500 insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to get rate quotes. There is a better way to compare insurance coverage rates and we’ll show you the best way to price shop coverage for a GMC and obtain the lowest possible price from local insurance agents and online providers.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Consumers only need to know how to shop online.

Choices you make can impact your insurance costs

Part of the car insurance buying process is learning some of the things that go into determining your policy premiums. If you understand what determines base rates, this allows you to make good choices that could help you find lower premium levels.

• Better credit means lower prices – Having a good credit history can be an important factor in determining your rates. Insureds that have good credit tend to be better drivers and file fewer claims than drivers with lower credit ratings. Therefore, if your credit rating could use some work, you could be paying less to insure your 1998 GMC Sierra 3500 by improving your credit score.
• Never let your policy expire – Having a gap between insurance policy dates will be a sure-fire way to increase your car insurance rates. Not only will you pay higher rates, getting caught without coverage can result in fines or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• Bundle and save – Most insurers allow a discount for people that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount, consumers should still get quotes from other companies to help guarantee you have the best rates.
• Where you reside is a factor – Having an address in less populated areas of the country is a positive aspect when trying to find low car insurance rates. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate. People who live in big cities tend to have more road rage incidents and longer commute times. The longer drive time translates into higher accident risk.
• Vehicle features that cut prices – Selecting a car model that has a built-in theft deterrent system can get you a discount on your car insurance. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your vehicle from being stolen.
• Get hitched and get better prices – Having a wife or husband can get you a discount compared to being single. Having a significant other is viewed as being more mature and responsible and insurance companies like that married couples file fewer claims.
• High coverage deductibles reduce premiums – Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your GMC. A few examples of covered claims could be a broken windshield, collision with an animal, and damage from a fallen tree branch. Deductibles for physical damage represent how much money you are required to spend before your car insurance pays a claim. The more you have to pay, the better rate you will receive for Sierra insurance.

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Finding auto insurance

Getting a cheaper price on 1998 GMC Sierra 3500 insurance is actually easier than you may think. The only requirement is to spend a few minutes on the computer comparing price quotes provided by online insurance companies. This can be done in a couple of different ways.

1. The most efficient way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for separate quotation requests for every auto insurance company. A single form will get you price quotes from several companies.It’s the quickest way to get rates.
2. Another way to find lower rates is to manually visit each individual company website and request a quote. For examples sake, we’ll assume you want to view quotes from Auto-Owners, Liberty Mutual and Farmers. In order to compare rates, you need to go to every website and type in your information over and over, which can be really labor intensive.

   For a list of links to companies insuring cars in your area, click here.

3. The least efficient and most time consuming way to shop rates is to drive around to and from local insurance agencies. The internet can eliminate the need for a local agent unless you have a complicated situation and need the professional abilities of an agent trained in personal lines coverage. Although you can get the lowest quotes online but still have the advice of a local agent.

Whichever way you use, try to keep the exact same quote information on every quote. If the quotes have different deductibles it will be impossible to determine which company has the best rates.

Take advantage of every car insurance discount

Car insurance is not cheap, but there could be available discounts that can help lower your rates. A few discounts will automatically apply when you get a quote, but a few need to be inquired about before you get the savings.

• Resident Student – Any of your kids living away from home attending college and do not have a car can receive lower rates.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may get savings of more than 20%.
• Accident Waiver – Not necessarily a discount, but some companies like Progressive, Allstate, and Geico allow you one accident before they charge you more for coverage if you have no claims prior to the accident.
• Save with a New Car – Buying insurance coverage on a new vehicle can save up to 30% compared to insuring an older model.
• Drive Less and Save – Keeping the miles down on your GMC could be rewarded with lower prices due to less chance of an accident.
• Discounts for Multiple Vehicles – Drivers who insure all your vehicles on the same car insurance policy can get a discount for every vehicle.
• Home Ownership Discount – Owning a home can save you money because maintaining a house demonstrates responsibility.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Service Members Pay Less – Being on active duty in the military may lower your rates slightly.
• Good Grades Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.

Discounts lower rates, but many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, companies don’t profit that way.

Large car insurance companies and their offered discounts are detailed below.

• State Farm may offer discounts for Drive Safe & Save, Steer Clear safe driver discount, multiple policy, good driver, and safe vehicle.
• Geico has discounts for air bags, defensive driver, multi-vehicle, federal employee, anti-lock brakes, and multi-policy.
• Liberty Mutual includes discounts for teen driver discount, preferred payment discount, new vehicle discount, hybrid vehicle, multi-policy, and newly married.
• The Hartford may have discounts that include anti-theft, driver training, vehicle fuel type, defensive driver, and bundle.
• MetLife has savings for multi-policy, good student, defensive driver, claim-free, good driver, accident-free
• Progressive offers premium reductions for multi-vehicle, online quote discount, homeowner, continuous coverage, and online signing.

If you are trying to find affordable car insurance quotes, ask all the companies the best way to save money. Depending on the company, some discounts may not apply to policyholders in your area. To see a list of providers that offer many of these discounts, follow this link.

How to know if you need help

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether or not you may require specific advice.

• Where can I get insurance after a DUI in my state?
• Do I have coverage if my license is suspended?
• How much liability coverage do I need in my state?
• Who is covered when they drive my 1998 GMC Sierra 3500?
• Do I need rental car coverage?
• Will my insurance pay for OEM parts?
• Do I pay less for low miles?
• Who is covered by my policy?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

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Educate yourself about car insurance coverages

Knowing the specifics of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your GMC Sierra 3500.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage

Collision insurance will pay to fix damage to your Sierra 3500 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for doctor visits, chiropractic care, pain medications, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, theft, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t 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. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as repair bills for other people’s vehicles, loss of income, funeral expenses, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Find Good Coverage for Less

You just learned a lot of techniques to save on 1998 GMC Sierra 3500 insurance. The key concept to understand is the more you quote car insurance, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from the smaller companies.

Discount 1998 GMC Sierra 3500 insurance can be found both online and with local insurance agents, so you should compare both so you have a total pricing picture. Some insurance coverage companies may not offer online quoting and usually these regional insurance providers provide coverage only through local independent agencies.

When getting car insurance quotes online, don’t be tempted to buy less coverage just to save a little money. In many instances, drivers have reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best possible price, not the least amount of coverage.

Helpful articles

• Winter Driving (Insurance Information Insitute)
• What Car Insurance is Cheapest for a GMC Sierra in Long Beach? (LongBeachInsure.com)
• Teen Driving Statistics (Geico)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)

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