2002 GMC Sierra 3500 Insurance Cost – 10 Discounts for Best Prices

Being forced to pay for overpriced insurance coverage premiums can dwindle your savings account and put a big crunch on your finances. Doing a rate comparison is a fast and free way to slash your bill and have more diposable income.

Companies like State Farm, Geico and Farmers Insurance constantly blast consumers with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s a great practice to get comparison quotes before your next renewal since prices tend to go up over time. Despite the fact that you may have had the best rates for Sierra coverage on your last policy a different company probably has better premium rates today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or need a new policy, you can use these techniques to find the best rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners only need an understanding of the most efficient way to compare company rates on the web.

Compare insurance coverage rate quotes online

Most companies like Progressive, Allstate and Geico make it easy to get coverage prices online. Obtaining pricing is quite simple because you just enter the coverages you want into a form. After you submit the form the quote system will order your credit score and driving record and returns a price based on these and other factors. Online price estimates makes it a lot easier to compare rates but the time required to go to a lot of sites and enter the same data into a form is repetitive and time-consuming. But it’s very important to compare as many rates as possible in order to get the best price possible.

The smarter way to compare insurance coverage pricing uses one form to obtain quotes from many companies. The form is fast, eliminates form submissions, and makes rate comparisons much easier to do. Once the form is submitted, your coverage is rated and you can choose your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It just takes a couple of minutes and may result in a nice savings.

In order to fill out one form to compare multiple rates now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you complete the form with your coverages identical to your current policy. This helps ensure you are getting comparison quotes using the exact same coverages.

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Get cheap insurance with discounts

Insurance is not an enjoyable expense, but you might be missing out on some discounts that could help you make your next renewal payment. Many discounts should be triggered when you get a quote, but some discounts are required to be specifically requested before they will apply.

• Early Signing – Some larger companies reward drivers for switching companies prior to your current policy expiration. The savings is around 10%.
• Good Grades Discount – Excelling in school may save as much as 25% on a auto insurance quote. Most companies allow this discount up until you turn 25.
• Discounts for Federal Employees – Employees or retirees of the government may reduce rates when you quote auto insurance for Sierra coverage with a few insurance companies.
• Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
• Military Rewards – Being deployed with a military unit could qualify you for better premium rates.
• Bundle and Save – If you insure your home and vehicles and insure them both with the same insurance company you may save as much as 10 to 15 percent.
• Own a Home – Simply owning a home can save you money since owning and maintaining a home shows financial diligence.
• Passenger Safety Discount – Options like air bags or motorized seat belts can qualify for discounts up to 30%.
• Pay Now and Pay Less – By making one initial payment rather than paying monthly you can avoid the installment charge.
• Multi-line Discount – Select companies reward you with a lower premium rate if you buy some life insurance in addition to your auto policy.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

The best insurance companies and a partial list of their discounts include:

• American Family discounts include bundled insurance, defensive driver, Steer into Savings, good driver, mySafetyValet, and early bird.
• State Farm offers premium reductions for multiple policy, good driver, passive restraint, anti-theft, student away at school, and Steer Clear safe driver discount.
• 21st Century offers discounts including 55 and older, early bird, defensive driver, theft prevention, and air bags.
• Travelers may include discounts for home ownership, IntelliDrive, payment discounts, student away at school, multi-car, multi-policy, and save driver.
• Geico may have discounts that include multi-policy, federal employee, military active duty, air bags, and seat belt use.

When getting a coverage quote, ask each company or agent to give you their best rates. Some of the discounts discussed earlier may not apply to policyholders in your area. To see insurance companies who offer discounts, click here.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

• At what point should I drop full coverage?
• Can I get a multi-policy discount?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I need an umbrella policy?
• How much can I save by bundling my policies?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is pleasure use cheaper than using my 2002 GMC Sierra 3500 to commute?
• Who is covered when they drive my 2002 GMC Sierra 3500?
• Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for things like nursing services, dental work, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, crashing into a ditch, hitting a mailbox, hitting a parking meter and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your GMC Sierra 3500.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are set the same as your liablity limits.

Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, theft, a tree branch falling on your vehicle and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance – Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

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More choices the merrier

We just presented some good ideas how to shop for 2002 GMC Sierra 3500 insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with a small local company. They may only write in your state and offer lower prices than their larger competitors like State Farm and Allstate.

Budget-conscious 2002 GMC Sierra 3500 insurance can be bought on the web and from local agencies, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and usually these smaller companies sell through independent agents.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your objective should be to purchase plenty of coverage for the lowest price.

To read more, feel free to visit these articles:

• Safety Belts FAQ (iihs.org)
• What Car Insurance is Cheapest for a GMC Sierra in Long Beach? (LongBeachInsure.com)
• Frontal Crash Tests (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)

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