1996 GMC Sierra 1500 Insurance Quotes – 7 Ideas for Best Rates

Finding low-cost insurance online is intimidating for consumers new to comparison shopping online. Because there are so many companies in the marketplace, how can anyone possibly compare every one to find the lowest rates?

It’s smart to compare rates occasionally because insurance rates change quite often. Despite the fact that you may have had the best deal on Sierra coverage on your last policy you may be paying too much now. So just forget anything you know (or think you know) about insurance because we’re going to show you the right way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. This information will tell you the best way to quote coverages. Nevertheless, car owners need to learn how companies sell online and use this information to your advantage.

Quick Car Insurance Quotes

Most major insurance companies such as State Farm, Allstate and Geico quote coverage prices on the web. The process is quite simple as you simply type in your personal and coverage information into a form. After the form is submitted, their rating system pulls reports for credit and driving violations and quotes a price.

Being able to quote online streamlines rate comparisons, but the time required to go to different websites and enter the same data into a form is monotonous and tiresome. But it’s very important to have as many quotes as possible in order to get lower prices.

A quicker way to find better car insurance pricing utilizes a single form to get prices from many companies. This type of form saves time, eliminates repetitive work, and makes price shopping online much easier. After your information is entered, it is rated and you are able to buy your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process takes less than 15 minutes and may result in a nice savings.

To get comparison pricing now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you input the coverages exactly as shown on your declarations page. Doing this guarantees you are getting a rate comparison based on identical coverages.

Don’t listen to company ads

Companies like State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the ads have a common claim that you can save if you switch to their company. How does each company make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as between 30 and 50, is a homeowner, and has great credit. A propective insured that hits that “sweet spot” will qualify for the lowest rates and therefore will save a lot of money.

Potential insureds who don’t measure up to the requirements must pay a more expensive rate and this can result in the customer not buying. The ads say “customers that switch” not “everyone that quotes” save money. That’s why insurance companies can confidently claim big savings. This illustrates why you should compare many company’s rates. It is impossible to predict which company will give you the biggest savings on GMC Sierra 1500 insurance.

Are you getting all your discounts?

Auto insurance companies don’t always list every available discount in a way that’s easy to find, so here is a list both well-publicized and the more hidden discounts you could be receiving.

  • Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates on Sierra coverage.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on Sierra coverage with a few insurance companies.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • Own a Home – Owning a house may trigger a insurance policy discount because maintaining a house requires personal responsibility.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

To see a list of companies with the best insurance discounts, click here to view.

When might I need an agent?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • Is my 1996 GMC Sierra 1500 covered for flood damage?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage if my license is suspended?
  • Does my personal policy cover me when driving out-of-state?
  • What if I owe more than I can insure my car for?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your GMC Sierra 1500.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

This pays for damage to your Sierra 1500 resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, rolling your car, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as hospital visits, prosthetic devices, X-ray expenses and doctor visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles, pain and suffering, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Smart shoppers get results

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an insured dropped liability coverage limits to discover at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Cheaper 1996 GMC Sierra 1500 insurance is available on the web in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

People switch companies for a number of reasons such as not issuing a premium refund, questionable increases in premium, an unsatisfactory settlement offer or even being labeled a high risk driver. Regardless of your reason, finding the right car insurance provider can be easier than you think.

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