2004 GMC Sierra 3500 Insurance Quotes – 6 Tricks for Best Rates

Searching for the cheapest insurance for your GMC Sierra 3500 can turn out to be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for a GMC and find the lowest price from both online companies and local agents.

Double check you’re getting with these six discounts

Some providers don’t list every disount available in a way that’s easy to find, so below is a list a few of the more common as well as some of the hidden discounts that may be available. If they aren’t giving you every credit possible, you’re paying more than you need to.

• Onboard Data Collection – Drivers who elect to allow companies to analyze driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as the data is positive.
• Defensive Driver Discounts – Taking a defensive driving class could earn you a small percentage discount if your company offers it.
• Policy Bundle Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you may earn 10% to 20% off each policy.
• Early Switch Discount – A few insurance companies give discounts for buying a policy prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
• No Claim Discounts – Claim-free drivers can save substantially as opposed to policyholders that have many claims.
• Theft Prevention System – Vehicles optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.

Remember that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.

To see providers with significant discounts, follow this link.

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Insurance coverage quotes comparison

Most of the larger companies provide insurance quotes directly from their websites. Doing online price comparisons is fairly simple as all you need to do is type in the amount of coverage you want on the page. After you submit the form their system gets reports for credit and driving violations and returns a price based on many factors.

Quoting online simplifies rate comparisons, but the work required to visit different websites and type in the same data gets old quite quickly. But it’s very important to have as many quotes as possible if you are searching for better prices.

The better way to compare rates

A less time-consuming method to lower your rates is to use a quote form to get prices from several companies at one time. It saves time, requires much less work on your part, and makes quoting online much easier to do. After sending the form, it is rated and you can select your choice of the pricing results.

If a lower price is quoted, you simply finish the application and buy the policy. The entire process only takes a few minutes and you’ll know if lower rates are available.

In order to fill out one form to compare multiple rates now, click here and begin entering your coverage information. To compare your current rates, we recommend you type in the insurance coverages identical to your current policy. Using the same limits helps guarantee you will receive a rate comparison based on similar coverages.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

• What is the rate difference between pleasure use and commuting?
• Is my nanny covered when driving my vehicle?
• Do I need added coverage for expensive stereo equipment?
• Does medical payments coverage apply to all occupants?
• Is other people’s property covered if stolen from my vehicle?
• Am I covered when driving someone else’s vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• What is the minimum liability in my state?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Slick advertising tricks that work

Drivers get pounded daily by advertisements that claim the cheapest rates by Geico, State Farm and Progressive. They all seem to tend to make the same promise that drivers will save a bundle if you move to their company.

It sounds good, but how can they all give you a lower rate? Just pay attention to how they say it.

Many companies have underwriting criteria for a prospective insured that earns them the highest profit. One example of this type of insured may need to be between 30 and 50, insures multiple vehicles, and has excellent credit. Any person that matches those criteria will probably get cheap rates and therefore will save money with a new company.

People who do not meet the “perfect” profile must pay more expensive rates and this can result in the prospect going elsewhere. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” save that much. That’s why companies can truthfully lure you into getting a quote.

Each company has different criteria, so it’s extremely important to compare free car insurance quotes often. It’s just not possible to know which auto insurance company will be your best fit.

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Insurance coverages explained

Having a good grasp of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability

This coverage can cover damage or injury you incur to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as legal defense fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses such as hospital visits, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, rock chips in glass and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays for damage to your Sierra 3500 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a building, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your GMC Sierra 3500.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

More quotes. Lower rates.

Consumers change insurance companies for many reasons like questionable increases in premium, lack of trust in their agent, high prices and even high rates after DUI convictions. No matter why you want to switch, finding a new company is not as hard as you think.

You just learned many tips how you can reduce 2004 GMC Sierra 3500 insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from a small local company.

There are still a few companies who do not provide price quotes online and most of the time these regional carriers sell through local independent agencies. Lower-priced 2004 GMC Sierra 3500 insurance is possible on the web and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

Additional insurance information can be found at these links:

• Comprehensive Coverage (Liberty Mutual)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Credit Impacts Car Insurance Rates (State Farm)
• Side Impact Crash Tests (iihs.org)

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