1993 GMC Sierra 1500 Insurance Rates – 7 Policy Discounts

Searching for better insurance prices for a GMC Sierra 1500 could be a painful process, but you can use a few tricks to save time.

There is a better way to find car insurance online so we’re going to tell you the quickest way to get price quotes for a new or used GMC and obtain the lowest price from local insurance agents and online providers.

It’s a great practice to compare rates at least once a year because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Sierra insurance last year other companies may now be cheaper. There is a lot of bad information regarding car insurance on the internet, but I’m going to show you some good information on how to save money.

Ways to get car insurance quotes

Getting a cheaper price on 1993 GMC Sierra 1500 insurance doesn’t have to be difficult. You just have to spend a few minutes getting comparison quotes online from several insurance companies. This can easily be done using a couple different methods.

1. If you’re in a hurry, the quickest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for each price estimate. A single form gets prices estimates from multiple low-cost companies. It’s definitely the quickest method.
2. Another way to find more affordable insurance requires a visit to the website of each company and fill out their own quote form. For example, let’s assume you want comparison quotes from Nationwide, Allstate and State Farm. To find out each rate you need to navigate to each company’s site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
3. The last method to get rate quotes is to spend your day driving to all the different insurance agencies. The internet reduces the need to sit down with an agent unless you want the personal advice only provided by licensed agents. Although you can price shop online and still use a local agent.

It’s up to you how you get prices quotes, just make sure you compare the same coverage information on every quote. If your comparisons have higher or lower deductibles it will be next to impossible to make an equal comparison.

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

 Secured with SHA-256 Encryption

Insurance coverage quotes and discounts

The price of auto insurance can be rather high, but there could be significant discounts to help offset the cost. Some discounts will apply at the time of purchase, but some may not be applied and must be inquired about before being credited.

• Discounts for Government Workers – Being employed by or retired from a federal job could cut as much as 10% off on Sierra insurance with select insurance companies.
• Student Discounts – Performing well in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
• Early Switch Discount – Some companies provide a discount for buying a policy before your current coverage expires. The savings is around 10%.
• Defensive Driver Discount – Taking part in a defensive driver course is a good idea and can lower rates and easily pay for the cost of the class.
• Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
• Memberships – Participating in certain professional organizations could earn you a nice discount on insurance coverage.
• 55 and Retired – Drivers that qualify as senior citizens can get a slight reduction on a auto insurance quote on Sierra insurance.

It’s important to note that many deductions do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.

A few companies who might offer some of the discounts shown above include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Before purchasing a policy, check with each company or agent how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. To choose insurers that offer the discounts shown above, click here to view.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions could help you determine if you may require specific advice.

• Am I covered when delivering products for my home-based business?
• Am I covered if I wreck a rental car?
• Does my 1993 GMC Sierra 1500 qualify for pleasure use?
• Are my tools covered if they get stolen from my vehicle?
• How do I buy GAP insurance?
• Am I insured when driving a different vehicle?
• How can I get high-risk coverage after a DUI?
• Are rock chip repairs covered?
• Do I need higher collision deductibles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your car insurance policy

Having a good grasp of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, theft and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, court costs, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, dental work, doctor visits and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your GMC Sierra 1500.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – This will pay to fix damage to your Sierra 1500 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

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

 Secured with SHA-256 Encryption

Be a money saver!

You just learned many ways to get a better price on 1993 GMC Sierra 1500 insurance. It’s most important to understand that the more you quote auto insurance, the better chance you’ll have of finding affordable auto insurance. You may even discover the lowest premium rates are with a lesser-known regional company.

As you quote auto insurance, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability coverage limits only to find out they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, poor customer service, policy non-renewal or even lack of trust in their agent. It doesn’t matter what your reason, finding a new company can be pretty painless.

For more information, link through to the articles below:

• Insuring a Leased Car (Insurance Information Insitute)
• How Much are Car Insurance Rates for a GMC Sierra in Colorado Springs? (CSInsure.com)
• Who Has the Cheapest Toledo Auto Insurance Quotes for a GMC Sierra? (InsureToledo.com)
• Distracted Driving Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)

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

 Secured with SHA-256 Encryption