2006 GMC Sierra 3500 Insurance Quotes

Consumers have options when looking for affordable GMC Sierra 3500 insurance. They can either waste time contacting agents to compare prices or leverage the internet to make rate comparisons. There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the quickest way to get price quotes for a new or used GMC and get the best price possible.

Consumers should take time to quote other rates occasionally because rates are usually higher with each renewal. Even if you got the best rate for Sierra coverage a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance coverage because you’re going to learn how to use the internet to reduce your cost while increasing coverage.

How to compare insurance coverage quotes

Finding a better price on insurance coverage is actually easier than you may think. You just have to spend a few minutes on the computer comparing rates to find out which insurance company has cheaper auto insurance quotes. It’s super easy and can be done in a couple of different ways.

If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This quick form keeps you from doing separate quote forms for every company. One simple form gets you price quotes from insurance coverage companies with the best prices. This is by far the quickest method.

A harder way to find better pricing consists of visiting each individual company website and fill out their own quote form. For examples sake, we’ll pretend you want to compare prices for Auto-Owners, Geico and State Farm. In order to compare rates, you need to visit each site and enter your information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you compare the same quote data with every price quote. If the quotes have different deductibles it will be very difficult to determine the best price for your GMC Sierra 3500.

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Earn discounts to get lower-cost car insurance rates

Companies do not list every disount available in an easy-to-find place, so we break down some of the more common and also the lesser-known car insurance savings. If you’re not getting every credit available, you could be paying more than you need to.

• Early Signing – Some car insurance companies provide a discount for switching policies before your current coverage expires. This can save 10% or more.
• E-sign Discounts – A few larger online companies will provide an incentive for buying a policy and signing up on the web.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and can earn a small discount on your policy.
• ABS and Traction Control Discounts – Cars with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
• Military Deployment Discount – Being deployed with a military unit could be rewarded with lower rates.
• 55 and Retired – Drivers over the age of 55 could receive reduced rates for Sierra coverage.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

Companies and some of the discounts are shown below.

• American Family policyholders can earn discounts including accident-free, mySafetyValet, multi-vehicle, good student, Steer into Savings, and bundled insurance.
• Nationwide offers premium reductions for family plan, Farm Bureau membership, business or organization, anti-theft, accident-free, and good student.
• MetLife includes discounts for defensive driver, multi-policy, accident-free, claim-free, good driver, good student
• 21st Century has discounts for good student, defensive driver, driver training, student driver, teen driver, and 55 and older.
• Farmers Insurance has savings for switch companies, alternative fuel, multi-car, good student, and youthful driver.
• Allstate discounts include senior citizen, good student, early signing, eSmart discount, and anti-theft.

When quoting, ask each company or agent to give you their best rates. All car insurance discounts may not be available in your state. For a list of providers offering car insurance discounts, follow this link.

Get cheaper insurance rates by understanding these factors

When buying auto insurance it’s important to understand the factors that come into play when calculating your auto insurance rates. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that can help you get big savings. Lots of factors are part of the equation when premium rates are determined. A few of the factors are predictable like your driving record, but some are less apparent such as your credit history or how safe your car is.

• A lpolicy lapse is a bad thing – Allowing your auto insurance policy to lapse is a quick way to drive up your policy premiums. In addition to paying higher rates, not being able to provide proof of insurance could result in a license revocation or jail time.
• Comp and collision deductibles are a factor – Comprehensive and collision coverage deductibles are how much you are willing to pay before your auto insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims are rearending another vehicle, damage caused by hail, and damage caused by road hazards. The higher the amount the insured has to pay upfront, the bigger discount you will receive for Sierra coverage.
• Keep insurance claims to a minimum – Companies provide the lowest premiums to people who do not file claims often. If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Auto insurance is meant to be used in the event of claims that pose a financial burden.
• Less chance of injury means lower rates – Vehicles with high crash test scores tend to be cheaper to insure. Highly rated vehicles reduce the chance of injuries and fewer injuries means lower claim amounts and cheaper rates on your policy. If your GMC has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
• What are good liability insurance limits? – A critical coverage on your policy, liability insurance will afford coverage if ever you are determined to be liable for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Where you call home – Living in small towns and rural areas can save you money when shopping for auto insurance. Fewer drivers means reduced accidents and a lower car theft rate. Residents of big cities have much more traffic and longer commute times. More time on the road means higher likelihood of an accident.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions might point out whether you could use an agent’s help.

• Do I get a pro-rated refund if I cancel my policy early?
• What is the minimum liability in my state?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my ex-spouse still covered by my policy?
• Why is insurance for a teen driver so high?
• Can my teen driver be rated on a liability-only vehicle?
• Can I rent a car in Mexico?
• Do I have coverage when pulling a U-Haul trailer?
• What exactly is covered by my policy?
• How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

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Auto insurance coverage information

Knowing the specifics of car insurance can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Auto collision coverage

This pays for damage to your Sierra 3500 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability coverage can cover damage that occurs to a person or their property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as court costs, repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for surgery, rehabilitation expenses, pain medications, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

You can do this!

Insureds who switch companies do it for a number of reasons such as denial of a claim, extreme rates for teen drivers, policy cancellation and an unsatisfactory settlement offer. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where an insured cut liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage at the best price, but do not sacrifice coverage to save money.

Some companies may not provide the ability to get quotes online and most of the time these smaller companies provide coverage only through independent agents. Lower-priced 2006 GMC Sierra 3500 insurance can be sourced on the web and also from your neighborhood agents, and you need to price shop both to get a complete price analysis.

Additional information can be read below:

• How do I File a Claim? (Insurance Information Insitute)
• Who Has the Cheapest Wichita Auto Insurance for a GMC Sierra? (WichitaInsure.com)
• Teen Driver Licensing Information (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)

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