How Much Does 1999 GMC Sonoma Insurance Cost?

Are you confused by the wide range of insurance coverage choices? You have a lot of company. Consumers have so many companies to choose from that it can quickly become a lot of work to find lower rates.

It’s smart to price shop coverage quite often because insurance rates change frequently. Despite the fact that you may have had the best price on Sonoma insurance a few years ago you can probably find a lower rate today. Starting now, block out anything you think you know about insurance coverage because I’m going to teach you the best methods to remove unneeded coverages and save money.

Which Insurance is Cheapest?

To find the best insurance prices, there are several ways to compare rate quotes from insurance companies in your area. The recommended way to find the cheapest 1999 GMC Sonoma insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

The recommended way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This form keeps you from doing boring form submissions for every insurance company. One form will return price quotes from many national carriers. It’s definitely the quickest method.
A more difficult way to get quotes online requires visiting the website for each individual company and fill out their own quote form. For instance, let’s assume you want to compare rates from Allstate, Geico and GMAC. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The least recommended method of getting rate comparisons is driving around to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the professional guidance of a licensed agent. However, consumers can compare the best prices online but still have the advice of a local agent. We’ll cover that shortly.

Which method you use is up to you, but make sure you use the exact same coverages and limits for every company. If you have higher or lower deductibles then you won’t be able to make a fair comparison for your GMC Sonoma. Having just a slight variation in coverage limits could mean much higher rates. Just remember that more quotes gives you a better chance of getting the best offered rates.

How much can you save with discounts?

Companies don’t always list all available discounts in an easy-to-find place, so we break down both the well known as well as the least known savings tricks you should be using.

Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates on Sonoma insurance.
Military Rewards – Having a deployed family member can result in better rates.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Discount for Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
New Car Discount – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.

It’s important to note that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies that may have these benefits include:

Before buying, ask each insurance company how you can save money. All car insurance discounts might not be offered in every state.

How much car insurance do I need?

When it comes to buying coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

Why am I required to get a high-risk car insurance policy?
When should I drop full coverage on my 1999 GMC Sonoma?
Am I missing any policy discounts?
Should I have a commercial auto policy?
Is my vehicle covered by my employer’s policy when using it for work?
How much liability coverage do I need in my state?
Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Detailed coverages of your insurance policy

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability insurance

This provides protection from damage that occurs to other people or property by causing an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, bail bonds, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for funeral costs, surgery, doctor visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage will pay to fix damage to your Sonoma resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1999 GMC Sonoma.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, hitting a bird, fire damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.