View 1999 GMC Sierra Classic 2500 Insurance Quotes

Looking for lower insurance rates for your GMC Sierra Classic 2500? Are you intimidated by the sheer number of insurance sources that you can choose from? Consumers have so many sources available that it can turn into a ton of work to find better prices.

It’s smart to do rate comparisons quite often because rates change regularly. Even if you got the best rate on Sierra Classic insurance a few years ago you can probably find a better price now. Block out anything you think you know about insurance because we’re going to show you the tricks you need to know to find better rates and still maintain coverage.

Four tips to get lower-cost insurance premiums

Many factors are used when you quote your car insurance policy. Some factors are common sense like an MVR report, although some other factors are more obscure like where you live or your financial responsibility.

• Small claims can cost you – If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Auto insurance companies provide lower rates to insureds who file claims infrequently. Insurance coverage is intended for claims that pose a financial burden.
• Never let your insurance coverage policy expire – Allowing your coverage to lapse is a fast way to bump up your insurance coverage costs. Not only will rates go up, being ticketed for driving with no insurance may earn you a license revocation or jail time. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Gender and auto insurance – Over time, data shows that females tend to be a little less risky than males. However, this does not mean men are worse drivers. Both genders are in fender benders in similar percentages, but the male of the species tend to have higher claims. Men also receive more major tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and therefore pay the highest rates.
• Age of drivers – Older insureds have been proven to be more responsible, are lower risk to insure .Teen drivers are statistically proven to be inattentive and easily distracted when behind the wheel so they pay higher insurance coverage rates.

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

 Secured with SHA-256 Encryption

Where can I get affordable car insurance?

To find cheap rates, there are a couple of ways to compare quotes from lots of car insurance companies. One of the best ways to find affordable GMC Sierra Classic 2500 insurance rates is to use the internet to compare rates. It’s really quite simple and can be done by using one of the methods below.

1. The fastest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate forms to each individual car insurance company. In just a few minutes this one form gets rate comparisons from several companies.It’s the quickest way to get rates.
2. Another way to compare prices is to take the time to go to the website for every company you want to comare and repeat the quote process again and again. For sake of this example, let’s say you want to see prices from Progressive, Esurance and State Farm. To get rate quotes you would need to visit each site and enter your policy data, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but double check that you are using the exact same coverage data on every quote. If each company quotes mixed coverages it will be nearly impossible to determine which company has the best rates. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, making a lot of price comparisons helps you find the best price.

Lower-cost insurance coverage rates with discounts

Insurance coverage can be pricey, but there could be significant discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you purchase, but some may not be applied and must be inquired about before being credited.

• Homeowners Savings – Owning a house may earn you a small savings because owning a home means you have a higher level of financial diligence.
• Senior Citizen Discount – Drivers over the age of 55 may be able to get reduced rates on Sierra Classic insurance.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new model year vehicles.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on a single policy could earn a price break for each car.
• Accident Free – Insureds with no claims or accidents pay less as compared to frequent claim filers.
• Club Memberships – Belonging to qualifying clubs or civic groups could qualify you for a break on your next insurance coverage statement.
• Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn substantially lower rates.
• Onboard Data Collection – People who choose to allow their insurance coverage company to study driving habits by using a telematics device such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
• Government Employee Discount – Employees or retirees of the government can save as much as 8% on Sierra Classic insurance with certain companies.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, you’re out of luck.

A list of insurance coverage companies and some of the discounts are outlined below.

• 21st Century has discounts for 55 and older, teen driver, defensive driver, early bird, and homeowners.
• State Farm may have discounts that include Drive Safe & Save, anti-theft, student away at school, accident-free, good driver, and passive restraint.
• AAA includes discounts for pay-in-full, anti-theft, education and occupation, good student, AAA membership discount, multi-policy, and multi-car.
• Liberty Mutual offers premium reductions for new move discount, new vehicle discount, new graduate, newly retired, newly married, exclusive group savings, and teen driver discount.
• Progressive offers discounts for online signing, continuous coverage, homeowner, online quote discount, and good student.

When comparing rates, check with each company which credits you are entitled to. A few discounts might not be available to policyholders everywhere. To see companies that offer many of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.

• What if I don’t agree with a claim settlement offer?
• Is other people’s property covered if stolen from my vehicle?
• Where can I find high-risk insurance?
• When can I cancel my policy?
• Do I need roadside assistance coverage?
• Who is covered when they drive my 1999 GMC Sierra Classic 2500?
• I have a DUI can I still get coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

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

 Secured with SHA-256 Encryption

Parts of your insurance policy

Having a good grasp of a insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, rock chips in glass, fire damage and hitting a deer. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses for dental work, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability insurance

This coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Sierra Classic 2500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your GMC Sierra Classic 2500.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Save your cold hard cash

We just showed you a lot of tips how to save on 1999 GMC Sierra Classic 2500 insurance. The key thing to remember is the more companies you get prices for, the higher your chance of finding affordable car insurance. Consumers could even find that the best price on car insurance is with a lesser-known regional company.

Consumers switch companies for a number of reasons such as policy cancellation, extreme rates for teen drivers, unfair underwriting practices or lack of trust in their agent. Regardless of your reason, choosing a new insurance company can be less work than you think.

As you prepare to switch companies, never reduce coverage to reduce premium. Too many times, an insured cut full coverage and learned later that they should have had better coverage. Your goal is to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Other resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How Much are Tampa Auto Insurance Rates for a GMC Sierra? (TampaCoverage.com)
• Distracted Driving Statistics (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)

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

 Secured with SHA-256 Encryption