2003 GMC Sierra 1500HD Insurance Rates – 8 Ways to Save

Paying low cost coverage rates for car insurance might be slightly frustrating for drivers who are new to online comparison shopping. You have so many agents and companies to choose from that it can quickly become a difficult mission to find the best coverage rates.

How to lower your car insurance cost

Most major insurance companies like Progressive, Allstate and Geico allow consumers to get prices from their websites. Getting prices online can be done by anyone as all you need to do is type in as detailed in the form. After you complete the form, the company’s rating system pulls reports for credit and driving violations and generates a price based on the data you entered.

This makes it a lot easier to compare rates but the time it takes to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s very important to get many rate quotes in order to find the lowest possible prices on car insurance.

A quicker way to lower your car insurance bill uses one form that gets price quotes from many companies. It’s a real time-saver, reduces the work, and makes quoting online much easier. After sending the form, it gets priced and you can select any or none of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process only takes a few minutes and can result in significant savings.

If you want to get comparison pricing now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you enter the limits and deductibles just like they are on your policy. This ensures you will receive comparison quotes for similar insurance coverage.

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Earn discounts to get lower-cost auto insurance quotes

Buying auto insurance is not cheap, but there could be significant discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time you complete a quote, but once in a while a discount must be specifically requested in order for you to get them. If you don’t get every credit you qualify for, you are paying more than you should be.

• Policy Bundle Discount – If you have multiple policies and place coverage with the same company you may save as much as 10 to 15 percent.
• Paperwork-free – Certain auto insurance companies will give a small break simply for signing digitally online.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and will save you 10% or more.
• Defensive Driving Course – Passing a course teaching safe driver skills could save 5% or more and make you a better driver.
• Discounts for Safe Drivers – Drivers without accidents can save as much as half off their rates on SierraHD insurance as compared to drivers with claims.
• Include Life Insurance and Save – Larger auto insurance companies have a discount if you purchase some life insurance too.
• Senior Citizens – Drivers over the age of 55 may be able to get a small decrease in premiums on SierraHD insurance.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school or through a local driver safety program.

We need to note that most discounts do not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way. But any discount will reduce your policy cost.

A few popular companies and their possible discounts are outlined below.

• Esurance may offer discounts for good driver, anti-lock brakes, Pac-12 alumni, homeowner, and multi-policy.
• The Hartford includes discounts for bundle, driver training, defensive driver, vehicle fuel type, good student, anti-theft, and air bag.
• AAA policyholders can earn discounts including education and occupation, multi-policy, anti-theft, good student, and AAA membership discount.
• Geico may include discounts for driver training, anti-theft, daytime running lights, good student, seat belt use, and multi-vehicle.
• State Farm offers discounts including student away at school, passive restraint, good driver, anti-theft, and Steer Clear safe driver discount.

If you need cheaper insurance quotes, ask each insurance company which discounts can lower your rates. A few discounts may not apply to policyholders everywhere. If you would like to see a list of providers that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

• Do I have any recourse if my insurance company denies a claim?
• Is my babysitter covered when using my vehicle?
• When does my teenage driver need to be added to my policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does my 2003 GMC Sierra 1500HD need full coverage?
• Why do I need rental car insurance?
• Where can I find DUI or SR-22 insurance?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Information about specific coverages

Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto liability insurance – This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, court costs, loss of income and medical expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your GMC Sierra 1500HD.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a bird, a tree branch falling on your vehicle, vandalism and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as doctor visits, funeral costs, hospital visits, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This pays for damage to your Sierra 1500HD resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, scraping a guard rail, driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

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Power to the consumer

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your objective should be to find the BEST coverage at the best cost and still be able to protect your assets.

People who switch companies do it for any number of reasons including being labeled a high risk driver, not issuing a premium refund, delays in responding to claim requests and unfair underwriting practices. It doesn’t matter why you want to switch finding a new company can be pretty painless.

Cheaper 2003 GMC Sierra 1500HD insurance can be sourced on the web and also from your neighborhood agents, so you need to quote insurance with both to have the best selection. Some insurance companies do not provide online rate quotes and these regional carriers work with independent agents.

Other learning opportunities

• What is Covered by GAP Insurance? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)

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