1991 GMC Sierra 3500 Insurance Quotes – 8 Tips to Save

Searching for lower insurance rates for your GMC Sierra 3500? Are you a victim of high-priced insurance? Believe me when I say there are many consumers feeling the pinch from expensive insurance. Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest cost out there.

If you have insurance now or need a new policy, you can use these tips to find the best rates while maximizing coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners only need to know the proper way to get comparison quotes online.

Comprehensive Car Insurance Comparison

There are a lot of ways to compare car insurance prices and some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with agents in your area, or you could use the web to get prices fast.

Most car insurance companies belong to an insurance system that allows shoppers to complete one form, and at least one company returns a rated price. This prevents consumers from doing repetitive form submissions to every company.

To participate in this free quote system, click to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which companies to get pricing from. If you would rather choose from a list of companies to compare, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using apples-to-apples coverages and limits for each comparison quote. If the quotes have differing limits it’s impossible to determine the lowest rate for your GMC Sierra 3500.

Do insurance companies bend the truth?

Consumers can’t get away from ads for cheaper car insurance by Progressive, Allstate and Geico. All the ads have a common claim that you’ll save big if you switch to their company.

How does each company make the same claim? This is how they do it.

Different companies have a preferred profile for the type of driver that earns them a profit. For instance, a preferred risk could be between 30 and 50, has no driving citations, and has excellent credit. Any driver who fits that profile gets the lowest rates and therefore will save when they switch companies.

Potential customers who do not match these standards will be quoted a more expensive rate and this can result in business not being written. The ads say “drivers who switch” not “everyone that quotes” save that much money. This is how companies can truthfully advertise the way they do. This emphasizes why you need to get a wide range of price quotes. It’s impossible to know which insurance company will provide you with the cheapest GMC Sierra 3500 insurance rates.

Are you getting all your discounts?

Companies offering auto insurance don’t list every available discount in a way that’s easy to find, so we break down some of the more common as well as the least known auto insurance savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Distant Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Save over 55 – Mature drivers can possibly qualify for reduced rates for Sierra coverage.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy digitally online.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies don’t profit that way.

To see a list of insurers offering auto insurance discounts, follow this link.

When might I need an agent?

When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out if you might need professional guidance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I have a commercial auto policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered by my spouse’s policy after a separation?
  • Is my 1991 GMC Sierra 3500 covered for flood damage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your car insurance policy

Understanding the coverages of your car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Comprehensive car insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, a tree branch falling on your vehicle, hitting a deer and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, pain medications and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1991 GMC Sierra 3500.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance

This protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as structural damage, attorney fees, emergency aid, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Don’t throw your cash in the trash

Lower-priced 1991 GMC Sierra 3500 insurance is definitely available both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability coverage limits only to regret that the savings was not a smart move. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

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