1999 GMC Sierra Classic 3500 Insurance Quotes

Searching for better insurance coverage rates for your GMC Sierra Classic 3500? Locating better insurance prices for a new or used GMC Sierra Classic 3500 can turn out to be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the proper way to get price quotes for a new or used GMC and locate the best price possible.

It is always a good idea to check insurance coverage prices once or twice a year because insurance coverage rates are usually higher with each renewal. Even if you think you had the best rate for Sierra Classic coverage two years ago there may be better deals available now. Forget all the misinformation about insurance coverage because I’m going to teach you the fastest and easiest way to reduce your cost while increasing coverage.

How much does auto insurance cost?

Finding a better price on auto insurance is a great way to save money. Drivers just need to take time comparing rate quotes from some recommended companies. Insurance prices can be quoted using one of these methods.

1. The most recommended method to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do repetitive form submissions for each company. Just one form gets you coverage quotes from multiple companies. Just one form and you’re done.
2. Another way to find more affordable insurance is to manually visit the website of each company and repeat the quote process. For examples sake, we’ll assume you want to compare rates from Liberty Mutual, State Farm and American Family. You would be required to navigate to each company’s site to enter the same coverage data repeatedly, which can take a lot of time.

   To view a list of companies in your area, click here.

However you get your quotes, be sure to compare the same quote information with every price quote. If you enter different liability limits you can’t possibly determine which rate is truly the best.

Insurance discounts are available to lower your rates

Insurance is easily one of your largest bills, but there are discounts available to help bring down the price. Some discounts apply automatically at quote time, but a few must be requested specifically before you get the savings.

• Accident Forgiveness – Not a discount per se, but companies like State Farm and Geico will turn a blind eye to one accident before your rates go up so long as you are claim-free for a set time period.
• Homeowners Savings – Being a homeowner can help you save on insurance since home ownership means you have a higher level of financial diligence.
• Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Sierra Classic coverage than less cautious drivers.
• Safety Restraint Discount – Drivers who require all occupants to use a seat belt may be able to save a few bucks off the personal injury premium cost.
• Payment Method – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
• Early Renewal Discounts – A few larger companies allow discounts for switching companies before your current policy expires. You may see this discount when you get auto insurance quotes online.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way.

Large insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm includes discounts for Drive Safe & Save, good student, passive restraint, defensive driving training, and student away at school.
• Geico may include discounts for air bags, emergency military deployment, membership and employees, anti-lock brakes, and multi-policy.
• SAFECO has discounts for multi-car, teen safe driver, drive less, anti-theft, and anti-lock brakes.
• Farmers Insurance may offer discounts for bundle discounts, switch companies, good student, multi-car, business and professional, and youthful driver.
• AAA has savings for multi-car, education and occupation, pay-in-full, anti-theft, multi-policy, and good driver.
• USAA offers discounts including defensive driver, new vehicle, vehicle storage, multi-policy, and safe driver.

It’s a good idea to ask each insurance company which discounts can lower your rates. A few discounts may not apply in your area. To see insurers with discount insurance rates, click this link.

Everyone needs different insurance coverage coverages

When it comes to choosing the best insurance coverage coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions could help you determine whether you could use an agent’s help.

• Is business equipment covered while in my vehicle?
• Can my babysitter drive my car?
• Do I have coverage when making deliveries for my home business?
• Where can I get insurance after a DUI in my state?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my state a no-fault state?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Will filing a claim cost me more?
• What if I owe more than I can insure my car for?
• What is UM/UIM insurance?

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 insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, vandalism, damage from getting keyed, damage from flooding and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage pays for damage to your Sierra Classic 3500 from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with a tree, crashing into a ditch, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your GMC Sierra Classic 3500.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for expenses for things like dental work, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – This protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.