Compare 2006 GMC Sierra 1500 Insurance Quotes

Did you make the mistake of buying an underperforming, overpriced car insurance policy? Trust us, you’re not the only one.

There is such a variety of insurance companies to choose from, and although it’s a good thing to have a selection, lots of choices makes it harder to find a good deal.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you will be able to cut costs considerably using these tips. Nevertheless, car owners benefit from understanding the methods companies use to market insurance on the web and use this information to your advantage.

The quickest method to compare rates utilizes the fact car insurance companies actually pay money for the chance to provide you with a free rate quote. The one thing you need to do is provide a little information including how your vehicles are used, if you require a SR-22, if it has an alarm system, and driver ages. Your details is then submitted to many highly-rated insurers and you will get price comparisons instantly.

To start a rate quote now, click here and complete the quick form.

Save money with these discounts

Insuring your vehicles can cost a lot, but there may be some discounts to reduce the price significantly. Most are applied when you complete an application, but less common discounts must be specifically requested before you will receive the discount.

• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car could qualify for this discount.
• Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may get savings as much as 30%.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
• Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease on Sierra insurance depending on your car insurance provider.
• Memberships – Being a member of a civic or occupational organization can get you a small discount on your next car insurance statement.
• Sign Early and Save – A few larger companies allow discounts for switching companies prior to the expiration date on your current policy. The savings is around 10%.
• Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
• Multiple Policy Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you could save nearly 15% which can help you find cheap auto insurance.
• Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote in comparison with drivers with a long claim history.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will definitely lower the premium cost.

Some of the larger companies who may offer most of these discounts include:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

It’s a good idea to ask every prospective company which discounts you qualify for. Discounts might not be offered on policies in every state.

Insurance can be complex

When it comes to choosing the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might point out if your situation would benefit from professional advice.

• Is my teenager covered with friends in the car?
• Do I have coverage when making deliveries for my home business?
• I have health insurance so do I need medical payments coverage?
• Should I waive the damage coverage when renting a car?
• Why do I need rental car insurance?
• Is business equipment covered while in my vehicle?
• When should I buy a commercial auto policy?
• When can my company non-renew my policy?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Specific coverages for a GMC Sierra 1500

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Sierra 1500.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, a broken windshield, damage from getting keyed, rock chips in glass and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage provides protection from damage or injury you incur to people or other property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like pain and suffering, funeral expenses, court costs, loss of income and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses like ambulance fees, dental work, nursing services, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Collision insurance

Collision coverage covers damage to your Sierra 1500 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, colliding with another moving vehicle, colliding with a tree, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.