1997 GMC Sierra 1500 Car Insurance Rates – 7 Tricks for Best Quotes

Trying to find the cheapest auto insurance rates for your GMC Sierra 1500? Cutting costs on Driversauto insurance is kind of frustrating for drivers new to comparison shopping online. With literally dozens of insurers available, it can quickly become a difficult mission to find the perfect company for you.

This information will tell you the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. But vehicle owners do need to understand how the larger insurance companies market insurance on the web.

Earn discounts to get lower-cost insurance coverage rates

Some insurers do not advertise all available discounts very well, so the following list contains some of the more common as well as some of the hidden credits available to lower your premiums when you buy auto insurance online. If you are not receiving all the discounts available, you could be getting lower rates.

• Discounts for Federal Employees – Active or retired federal employment may qualify for a discount when you quote auto insurance for Sierra insurance with certain companies.
• Paperwork-free – Some companies will give you a small discount for buying your policy on your computer.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
• Discount for Home Ownership – Being a homeowner can save you money because of the fact that having a home requires a higher level of personal finance.
• Low Miles Discount – Driving fewer miles may enable drivers to earn lower insurance coveragerates on the low mileage vehicles.
• Early Renewal Discounts – Some companies reward drivers for signing up before your current policy expires. It can save you around 10%.
• Resident Student – Youth drivers who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.

Drivers should understand that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Even though it appears all those discounts means the company will pay you, nobody gets a free ride.

Some of the larger companies that may offer some of the discounts shown above possibly include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts might not be offered on policies in every state. To choose companies that can offer you the previously mentioned discounts, follow this link.

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How to compare free car insurance price quotes

There are several ways to compare rate quotes from different insurance companies. The best way to find the cheapest GMC Sierra 1500 insurance rates is to jump online and get quotes. This is very easy and can be done in a couple of different ways.

1. The easiest and least time consuming way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for multiple quote forms for each company. Just one form gets prices estimates from multiple low-cost companies. Just one form and you’re done.
2. A more time consuming way to find lower rates requires a visit to the website of each company and fill out their own quote form. For instance, let’s assume you need rates from Nationwide, 21st Century and Progressive. To find out each rate you need to go to each individual site and repeatedly enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but be sure you’re using equivalent coverages for each comparison quote. If you use unequal deductibles or liability limits it will be very difficult to determine the best price for your GMC Sierra 1500. Just a small difference in coverage limits can make a big difference in price. Just keep in mind that comparing more company’s prices increases the change that you will find a lower rate than you’re paying now. Some companies don’t provide quotes online, so it’s recommended that you also compare prices from them as well.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can help discover if your situation could use an agent’s help.

• Am I covered when driving a rental car?
• Can I rate high risk drivers on liability-only vehicles?
• When can my company non-renew my policy?
• Is a new car covered when I drive it off the dealer lot?
• What companies insure drivers after a DUI or DWI?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage breakdown

Understanding the coverages of car insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance covers damage to your Sierra 1500 resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, hitting a mailbox, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills like doctor visits, nursing services, ambulance fees, funeral costs and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability coverages

This can cover damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see 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 pays for claims like legal defense fees, emergency aid, pain and suffering, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, hitting a bird, hitting a deer, damage from getting keyed and damage from flooding. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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Online plus local equals savings

In this article, we presented many ways to save on 1997 GMC Sierra 1500 insurance. It’s most important to understand that the more companies you get car insurance rates for, the better likelihood of getting the cheapest auto insurance. Consumers could even find that the most savings is with some of the smallest insurance companies.

Some insurance providers do not offer internet price quotes and usually these regional carriers provide coverage only through independent agents. Cheaper 1997 GMC Sierra 1500 insurance is attainable on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

When getting auto insurance quotes online, it’s a bad idea to reduce coverage to reduce premium. In many cases, someone sacrificed collision coverage and learned later they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

More tips and info about insurance coverage is available at these sites:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Older Drivers FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)

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