2004 GMC Sierra 1500 Insurance Cost – 10 Tips for Cheaper Prices

Looking for the cheapest auto insurance rates? Shoppers have options when shopping for affordable GMC Sierra 1500 insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to shop for auto insurance and we’ll show you the best way to price shop coverage for a GMC and get the lowest price either online or from local insurance agents.

How to get cheap insurance coverage

All the larger insurance coverage companies allow you to get coverage prices directly from their websites. Comparing rates online is very simple as you simply type in the amount of coverage you want into a form. When the form is submitted, their quoting system requests information on your driving record and credit history and gives you a price quote based on many factors.

This streamlines rate comparisons, but the time it takes to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step in order to get a lower rate.

An easier way to locate the lowest prices uses one simple form to obtain quotes from a bunch of companies at once. It saves time, eliminates repetitive work, and makes quoting online much easier to do. As soon as the form is sent, your coverage is rated and you are able to buy any or none of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

In order to find out how much you’re overpaying now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you copy the coverage information just like they are on your policy. Doing this guarantees you will be getting a rate comparison for similar insurance coverage.

Lower rates by qualifying for these ten discounts

Some providers do not list the entire discount list in a way that’s easy to find, so the next list breaks down both the well known and the harder-to-find discounts that may be available.

• Mature Driver Discount – If you’re over the age of 55, you are able to get reduced rates on Sierra insurance.
• Use Seat Belts – Requiring all passengers to fasten their seat belts could save 15% off the personal injury premium cost.
• College Student – who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
• Discounts for Multiple Vehicles – Having several vehicles on a single policy can get a discount for every vehicle.
• Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for newer vehicles.
• Low Mileage – Driving less can earn better insurance coveragerates on cars that stay parked.
• Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote when compared to accident-prone drivers.
• E-sign – Some of the larger companies will give a small break for buying a policy and signing up digitally online.
• Auto/Life Discount – Select companies reward you with a small discount if you purchase a life insurance policy as well.

As a sidenote, many deductions do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

To locate providers who offer online insurance coverage quotes, click this link.

Car insurance is unique, just like you

When it comes to buying the best car insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

• When should I buy a commercial auto policy?
• Am I covered when driving someone else’s vehicle?
• Does my 2004 GMC Sierra 1500 need full coverage?
• Am I covered if hit by an uninsured driver?
• Why does it cost so much to insure a teen driver?
• Can my teen driver be rated on a liability-only vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• What is medical payments coverage?
• Should I bundle my homeowners policy with my auto?
• Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, rock chips in glass, damage from getting keyed and vandalism. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like loss of income, medical expenses and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This will pay to fix damage to your Sierra 1500 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, hitting a parking meter, hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your GMC Sierra 1500.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, X-ray expenses, ambulance fees, rehabilitation expenses and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage