Compare 2002 GMC Sierra 1500HD Insurance Rates

Trying to find lower insurance rates for your GMC Sierra 1500HD? Perplexed by the sheer number of insurance choices in your area? Many other drivers are too. Consumers have such a large number of options that it can be hard work to find a more affordable company.

It’s a good idea to do price comparisons once or twice a year since insurance rates change regularly. If you had the best deal on SierraHD insurance a couple years back you will most likely find a better price today. Ignore everything you know about insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.

How to get free car insurance quotes online

There are a lot of ways you can shop for car insurance and some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many popular insurance companies enroll in a system that enables customers to submit their information once, and each participating company returns a competitive quote based on that data. This prevents consumers from doing quote forms to each individual car insurance company. To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to doing it this way is you don’t know exactly the companies you will receive quotes from. So if you want to select specific insurance companies for rate comparison, we have a listing of companies who write car insurance in your area. Click here to view list.

Whichever way you choose to compare rates, ensure you’re using the exact same coverage limits with each company. If you enter higher or lower deductibles it will be next to impossible to truly determine the lowest rate. Even a minor difference in insurance coverages could mean much higher rates. And when price shopping your coverage, quoting more helps you find a lower rate. Some regional insurers cannot provide online quotes, so you should also compare quotes from the smaller companies as well.

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Get lower rates with these discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that may help make it more affordable. Many discounts should be triggered at the time you complete a quote, but some may not be applied and must be specifically requested before being credited.

• Service Members Pay Less – Being deployed in the military can result in better insurance coverage rates.
• Discounts for New Vehicles – Putting insurance coverage on a new car can cost up to 25% less since new vehicles are generally safer.
• Low Mileage Discounts – Keeping the miles down on your GMC could qualify for better premium rates on cars that stay parked.
• Defensive Driver Discounts – Passing a defensive driving course could possibly earn you a 5% discount if you qualify.
• Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote insurance coverage on SierraHD insurance with a few insurance coverage companies.
• Auto/Home Discount – If you can combine your homeowners and auto policy with one insurance company you may save approximately 10% to 15%.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A list of companies and a selection of discounts are included below.

• Geico may include discounts for defensive driver, seat belt use, federal employee, multi-policy, and anti-theft.
• Travelers may offer discounts for early quote, home ownership, new car, driver training, multi-car, IntelliDrive, and good student.
• Nationwide includes discounts for Farm Bureau membership, accident-free, anti-theft, easy pay, defensive driving, and family plan.
• Farmers Insurance offers premium reductions for alternative fuel, electronic funds transfer, business and professional, teen driver, distant student, early shopping, and youthful driver.
• Esurance offers discounts including paid-in-full, claim free, DriveSense, anti-theft, emergency road assistance, good student, and online quote.
• State Farm has discounts for Drive Safe & Save, good driver, Steer Clear safe driver discount, multiple autos, and safe vehicle.
• Progressive may have discounts that include multi-policy, online quote discount, continuous coverage, multi-vehicle, homeowner, and good student.
• Mercury Insurance offers discounts for multi-car, age of vehicle, anti-theft, good student, and professional/association.

If you need the cheapest insurance coverage quotes, ask each company or agent which discounts can lower your rates. A few discounts might not apply in your area. To view insurers that can offer you the previously mentioned discounts, click here to view.

Car insurance can be complex

When choosing coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

• Am I covered when driving someone else’s vehicle?
• Do I need to file an SR-22 for a DUI in my state?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is the minimum liability in my state?
• Am I getting all the discounts available?
• Are my friends covered when driving my 2002 GMC Sierra 1500HD?
• Can I drive in Mexico and have coverage?
• Does my insurance cover a custom paint job?
• Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage options for a 2002 GMC Sierra 1500HD

Having a good grasp of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for X-ray expenses, rehabilitation expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage covers damage to your Sierra 1500HD from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, driving through your garage door, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from getting keyed, fire damage, damage from flooding and a broken windshield. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

This coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, attorney fees, pain and suffering, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your GMC Sierra 1500HD.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

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A penny saved is a penny earned

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, poor customer service, lack of trust in their agent and even not issuing a premium refund. Regardless of your reason, switching insurance companies is not as hard as you think.

Cheaper 2002 GMC Sierra 1500HD insurance can be purchased on the web as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer the ability to get a quote online and these regional insurance providers work with local independent agents.

When you buy insurance coverage online, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Helpful articles

• Teen Driver Statistics (Insurance Information Insitute)
• How Much is Dallas Auto Insurance for a GMC Sierra? (DallasCoverage.com)
• Safe Vehicles for Teens (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• State Laws for Cellphones and Texting (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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