1999 GMC Sierra Classic 1500 Car Insurance Quotes

Want lower insurance coverage rates for your GMC Sierra Classic 1500? Have you fallen victim to overpriced insurance coverage? Believe me, you’re not alone. Having so many insurance providers from which to choose, it is very difficult to pick the best insurance company.

It’s a good idea to get comparison quotes at least once a year since rates change quite often. Just because you had the best price for Sierra Classic coverage a few years ago the chances are good that you can find a lower rate today. So ignore everything you know about insurance coverage because it’s time to teach you one of the quickest ways to find better rates and still maintain coverage.

Car Insurance Quote Comparison

There are multiple methods to compare 1999 GMC Sierra Classic 1500 car insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to maximize your effort.

Most of the best insurance companies belong to a marketplace where insurance shoppers complete one form, and every company returns a rated price based on that data. This saves time by eliminating repetitive form submissions for each company.

To find out how much you can save on car insurance click here to start a free quote.

The one downside to pricing coverage this way is that consumers can’t choose which providers you want to price. So if you prefer to pick specific insurance companies for rate comparison, we put together a list of low cost car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same information with every price quote. If your comparisons have unequal deductibles or liability limits it will be very difficult to make an equal comparison.

Take advantage of discounts

Companies don’t necessarily list every discount very clearly, so we researched some of the best known and also the lesser-known insurance coverage savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts of more than 20%.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Club Memberships – Participating in a qualifying organization is a good way to get lower rates when buying insurance coverage for Sierra Classic coverage.
  • Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Sierra Classic coverage than less cautious drivers.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of companies with the best insurance coverage discounts, click here to view.

How to know if you need help

When choosing adequate coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help you determine if you may require specific advice.

  • Am I covered if I break a side mirror?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need an umbrella policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Exactly who is provided coverage by my policy?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages 101

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Collision insurance

Collision coverage covers damage to your Sierra Classic 1500 caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra Classic 1500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for doctor visits, funeral costs, ambulance fees and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

This will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and 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. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical services, pain and suffering and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, rock chips in glass and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.