Save on 1990 GMC Sierra 2500 Car Insurance Rates

Are you sick and tired of not being able to afford each month for auto insurance? You are no different than many other drivers. Multiple car insurance companies compete for your business, so it’s not easy to compare every insurance company to find the absolute lowest rate possible.

Compare auto insurance price quotes online

Lowering your 1990 GMC Sierra 2500 auto insurance rates is an easy way to save money. All that’s required is to spend a little time comparing free auto insurance quotes to discover which company has low cost auto insurance quotes. This is very easy and can be done by following the guidelines below.

The first (and easiest) way to find low rates is to use a rate comparison form like this one (opens in new window). This style of form eliminates the need for separate quotes for every prospective company. Filling out one form will return price quotes from all major companies.

A more time consuming way to get quotes online is to take the time to go to the website for each individual company to complete a price quote. For instance, we’ll assume you are doing a rate comparison from Nationwide, Farmers and Progressive. In order to compare rates, you need to go to each individual site and repeatedly enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever method you choose, ensure you are comparing identical information for each price quote. If you compare different limits and deductibles on each one it will be very difficult to get a fair rate comparison.

Auto insurance discounts help slash rates

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Most are applied at quote time, but some must be specifically requested before you will receive the discount.

• Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
• Claim Free – Drivers who stay claim-free have much lower rates in comparison to policyholders that have many claims.
• 55 and Retired – Drivers that qualify as senior citizens could receive a small discount on rates on Sierra coverage.
• Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle on one policy may reduce the rate for each vehicle.
• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
• Government Employees – Active or retired federal employment could qualify for a slight premium decrease on Sierra coverage with certain companies.

One last thing about discounts, some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way.

Popular auto insurance companies and some of the premium reductions they offer are:

• State Farm has savings for multiple policy, defensive driving training, multiple autos, anti-theft, good driver, and student away at school.
• American Family has discounts for good student, accident-free, defensive driver, Steer into Savings, mySafetyValet, good driver, and bundled insurance.
• AAA may include discounts for pay-in-full, AAA membership discount, anti-theft, multi-policy, good driver, and education and occupation.
• Geico may offer discounts for defensive driver, multi-policy, military active duty, daytime running lights, and air bags.
• Mercury Insurance offers premium reductions for accident-free, anti-theft, good driver, multi-car, type of vehicle, location of vehicle, and professional/association.
• Farmers Insurance includes discounts for teen driver, business and professional, pay in full, alternative fuel, youthful driver, switch companies, and mature driver.
• Progressive may have discounts that include online quote discount, good student, multi-policy, homeowner, multi-vehicle, and online signing.

Check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area.

Which is the best insurance coverage?

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

• Do I have any recourse if my insurance company denies a claim?
• What is no-fault insurance?
• How does medical payments coverage work?
• How do I file an SR-22 for a DUI in my state?
• Should I buy more coverage than the required minimum liability coverage?
• Is my dog or cat covered if injured in an accident?
• How do I insure my teen driver?
• How much liability coverage do I need in my state?
• Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Specific coverages for a GMC Sierra 2500

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for hospital visits, X-ray expenses, nursing services and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage covers damage to your Sierra 2500 resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, hitting a deer and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

This provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as loss of income, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.