Compare 2002 GMC Sonoma Insurance Quotes

Looking for the cheapest car insurance rates for your GMC Sonoma? Finding the cheapest insurance for a GMC Sonoma can be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to price shop coverage for a new or used GMC and get the lowest possible price.

Consumers should take time to get comparison quotes before your policy renews because car insurance prices trend upward over time. Just because you had the lowest quotes for Sonoma coverage a couple years back there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to learn how to use the internet to lower your annual insurance bill.

How to get car insurance rate quotes

Reducing your 2002 GMC Sonoma insurance rates is an easy way to save money. All that’s required is to spend a little time comparing rates online with multiple companies. It’s really simple and can be done in a couple of different ways.

• Hands down the most simple method to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating boring form submissions for each company. Just one form gets rate comparisons from all major companies. Just one form and you’re done.
• A slightly less efficient method to find more affordable insurance requires a trip to each individual company website and repeat the quote process. For examples sake, let’s assume you want rates from Allstate, 21st Century and Progressive. To get rate quotes you would need to visit each site and type in your information over and over, which is not fast way to get rate quotes.

  For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just compare the same deductibles and coverage limits on every quote you get. If you compare higher or lower deductibles it will be nearly impossible to determine the lowest rate for your GMC Sonoma.

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Do you qualify for discounts?

Car insurance companies don’t necessarily list their entire list of discounts very well, so the list below details both the well known as well as some of the hidden discounts that may be available.

• Claim-Free Discount – Drivers who don’t have accidents can save substantially as compared to bad drivers.
• One Accident Forgiven – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums with the catch being you have to be claim-free before the accident.
• Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease for Sonoma coverage depending on your company.
• Student Discounts – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• Military Discounts – Having an actively deployed family member could trigger a small discount.
• Discount for New Cars – Buying a new car instead of a used car is cheaper because new vehicles have to meet stringent safety requirements.
• Membership in Organizations – Joining a professional or civic organization is a good way to get lower rates on your next renewal.
• Safety Restraint Discount – Drivers who require all occupants to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
• Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Sonoma coverage as compared to drivers with claims.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So when it seems like all those discounts means the company will pay you, you’re out of luck.

Popular insurance coverage companies and the discounts they provide are included below.

• State Farm may have discounts that include passive restraint, anti-theft, accident-free, safe vehicle, multiple policy, and Steer Clear safe driver discount.
• Farmers Insurance has savings for pay in full, homeowner, alternative fuel, switch companies, and youthful driver.
• Progressive offers discounts for good student, online quote discount, homeowner, online signing, and multi-policy.
• Geico offers premium reductions for daytime running lights, defensive driver, anti-theft, anti-lock brakes, multi-policy, emergency military deployment, and seat belt use.
• Auto-Owners Insurance policyholders can earn discounts including student away at school, multi-policy, company car, anti-theft, and paperless.
• The Hartford includes discounts for anti-theft, good student, defensive driver, bundle, driver training, and air bag.
• Farm Bureau offers discounts including driver training, good student, renewal discount, multi-vehicle, safe driver, and youthful driver.
• USAA discounts include vehicle storage, military installation, loyalty savings, defensive driver, and new vehicle.

If you are trying to find cheap insurance coverage quotes, ask all the companies what discounts are available to you. Some discounts may not apply to policies everywhere. To find companies offering insurance coverage discounts, click here to view.

How car insurance companies calculate GMC Sonoma insurance costs

It’s important that you understand the different types of things that aid in calculating your policy premiums. If you understand what impacts premium levels, this enables informed choices that could result in better insurance rates. Many things are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, but other criteria are more transparent like where you live or how financially stable you are.

• Extra coverages you don’t need – There are a ton of add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for replacement cost coverage, towing coverage, and additional equipment coverage may be wasting your money. They may sound like good ideas initially, but if you’ve never needed them in the past eliminate them to save money.
• Are women or men drivers cheaper? – Over the last 30 years, statistics show that females take fewer risks when driving. However, this does not mean women are better drivers. Men and women tend to get into at-fault accidents in similar numbers, but the males have costlier accidents. Men also statistically get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
• More than one policy can earn a discount – Most major companies will give a discount to clients that buy multiple policies such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount consumers should still get quotes from other companies to ensure the best deal.
• Lower prices with no policy lapses – Driving your car without having proper coverage is illegal and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will your rates increase, getting caught without coverage might get you a license revocation or jail time. You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Don’t assume everyone needs the same insurance coverage

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether you may require specific advice.

• Will filing a claim cost me more?
• Am I better off with higher deductibles on my 2002 GMC Sonoma?
• What if I total my 2002 GMC Sonoma and owe more than it’s worth?
• Am I covered when driving on a suspended license?
• Can I still get insurance after a DUI?
• Does my insurance cover a custom paint job?
• Which is better, split liability limits or combined limits?
• Why am I required to buy liability insurance?
• Is a blown tire covered by insurance?
• I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

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Do drivers who switch really save $476 a year?

Consumers can’t get away from ads that promise big savings for switching by Allstate, Geico and Progressive. They all seem to make the point that people will save just by switching your policy.

How do they all save you money? This is how they do it.

Insurance providers give the best rates for the driver that earns them the highest profit. A good example of this type of insured could possibly be between the ages of 30 and 50, has a clear driving record, and does not commute to work. Anyone that hits that “sweet spot” will get a cheap rate quote and therefore will save money with a new company.

Consumers who do not fit this ideal profile may be required to pay higher prices which results in the prospect going elsewhere. Company advertisements say “drivers that switch” not “all people who quote” save the amount stated. That’s why insurance companies can confidently lure you into getting a quote. This illustrates why you really should compare price quotes frequently. It’s impossible to know which company will have the lowest rates.

Auto insurance 101

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, hitting a deer, vandalism, falling objects and fire damage. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, scraping a guard rail, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, bail bonds, funeral expenses, court costs and structural damage. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your GMC Sonoma.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like ambulance fees, chiropractic care and funeral costs. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Cheaper insurance is a realistic goal

When you buy insurance coverage online, never buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

We’ve covered a lot of information how to lower your 2002 GMC Sonoma insurance premium rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance coverage is with an unexpected company.

Some companies may not provide rates over the internet smaller companies only sell coverage through local independent agencies. Budget-conscious 2002 GMC Sonoma insurance can be sourced on the web and from local agencies, and you should be comparing both to have the best selection.

More information is located at the links below

• Safety Belts FAQ (iihs.org)
• Determing Auto Insurance Rates (Geico)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

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