2010 GMC Sierra 3500HD Insurance Quotes – 9 Tips for Cheaper Rates

Do you think you bought an overpriced auto insurance policy? Don’t sweat it because many drivers feel the same as you. Many car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a company to get the best rate

The fastest way that we advise to compare insurance rates in your area is to know the trick auto insurance companies provide online access to give free rates quotes. The only thing you need to do is provide information including whether you are married, driver ages, whether or not you need a SR-22, and if you went to college. Your details is instantly sent to multiple top-rated companies and you get price estimates very quickly.

To find lower rates now, click here and enter your coverage details.

Insurance coverage discounts help lower rates

Car insurance companies do not list the entire discount list very well, so the following is a list of a few of the more common and also the more inconspicuous credits that may apply to you.

• Distant Student – Older children who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
• Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
• Onboard Data Collection – Policyholders that allow driving data submission to look at driving patterns by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• Defensive Driver – Taking part in a class that teaches defensive driver techniques could earn you a small percentage discount if you qualify.
• Home Ownership Discount – Just owning your own home can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
• Military Discounts – Being on active deployment in the military could qualify you for better rates.
• Discount for Multiple Policies – If you have multiple policies with the same insurance company you could get a discount of nearly 15% which can help you find cheap car insurance.
• Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education in school or through a local driver safety program.

A little disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free insurance coverage policy, nobody gets a free ride.

Some companies that may offer policyholders some of the above discounts include:

• State Farm
• Geico
• SAFECO
• Farmers Insurance
• AAA
• USAA

When quoting, ask each insurance company which discounts you qualify for. All car insurance discounts might not be offered on policies everywhere. To view insurers that can offer you the previously mentioned discounts, click here.

Which is the best insurance coverage?

When buying coverage, there is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions might help in determining if you will benefit from professional help.

• Is business property covered if stolen from my car?
• Do I have newly-aquired coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Can I rent a car in Mexico?
• Why do I only qualify for high-risk insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I drop comprehensive coverage on older vehicles?
• Is my ex-spouse still covered by my policy?
• If I drive on a suspended license am I covered?
• How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Learning about specific coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from auto insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for ambulance fees, pain medications, EMT expenses and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as medical expenses, court costs and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox, driving through your garage door, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from flooding, hail damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.