2003 GMC Sonoma Insurance Cost – 7 Tips to Save

Want cheaper auto insurance rates for your GMC Sonoma? Trying to find cheaper insurance for a new or used GMC Sonoma can normally be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to shop for auto insurance and you need to know the proper way to quote coverages for a new or used GMC and locate the lowest price from both online companies and local agents.

You should make it a habit to get comparison quotes quite often because prices go up and down regularly. Just because you had the best rates on Sonoma coverage a few years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because we’re going to demonstrate the quickest way to find better coverage at a better price.

Use discounts on insurance coverage

Not many people think insurance is cheap, but you may be missing some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but a few need to be specifically requested before being credited.

• Policy Bundle Discount – If you can combine your auto and homeowners policy with the same insurance company you will save as much as 10 to 15 percent.
• Theft Prevention System – Cars and trucks with anti-theft systems are stolen with less frequency and will save you 10% or more.
• E-sign – Some of the larger companies will discount your bill up to fifty bucks simply for signing digitally online.
• Accident Waiver – Not a discount per se, but companies like Allstate, Progressive, and Geico will let one accident slide without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
• Discount for Home Ownership – Owning your own home or condo can help you save on insurance coverage because maintaining a house means you have a higher level of financial diligence.
• Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class in school.
• Low Mileage Discounts – Low mileage vehicles could earn cheaper insurance coveragerates.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works.

Larger insurance coverage companies and their offered discounts are detailed below.

• Travelers may offer discounts for student away at school, hybrid/electric vehicle, good student, continuous insurance, home ownership, payment discounts, and new car.
• 21st Century offers premium reductions for driver training, good student, teen driver, 55 and older, automatic seat belts, and anti-lock brakes.
• State Farm has discounts for driver’s education, Drive Safe & Save, defensive driving training, student away at school, and anti-theft.
• Geico has savings for military active duty, defensive driver, multi-policy, multi-vehicle, and anti-lock brakes.
• SAFECO may include discounts for teen safety rewards, homeowner, bundle discounts, drive less, teen safe driver, accident prevention training, and anti-theft.
• AAA offers discounts for multi-car, good driver, pay-in-full, AAA membership discount, education and occupation, good student, and multi-policy.

When getting a coverage quote, ask every prospective company which discounts they offer. Some credits may not be offered in every state. For a list of providers with significant discounts, click here.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs may require specific advice.

• How do I buy GAP insurance?
• Am I covered if hit by an uninsured driver?
• Exactly who is provided coverage by my policy?
• Should I buy only the required minimum liability coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What is roadside assistance coverage?
• Why is insurance for a teen driver so high?
• Who is covered when they drive my 2003 GMC Sonoma?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Having a good grasp of car insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for funeral costs, pain medications and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage will pay to fix damage to your Sonoma resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your GMC Sonoma.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are set the same as your liablity limits.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, damage from getting keyed and vandalism. The maximum amount you can receive from a comprehensive 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

Liability insurance provides protection from injuries or damage you cause to other’s property or people. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as medical expenses, attorney fees and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

The best insurance company isn’t always the cheapest

You just learned many ways to compare 2003 GMC Sonoma insurance prices online. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. You may even discover the lowest prices come from a lesser-known regional company.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone dropped physical damage coverage and discovered at claim time that the savings was not a smart move. The aim is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Cost effective 2003 GMC Sonoma insurance can be purchased on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies don’t offer rate quotes online and these small, regional companies only sell through independent agents.

Helpful learning opportunities

• Child Safety FAQ (iihs.org)
• What is Full Coverage? (Allstate)
• Liability Insurance Coverage (Nationwide)
• Think You’re a Safe Driver? (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)