2003 GMC Sonoma Insurance Quotes – 7 Ways to Save

Searching for lower auto insurance rates for your GMC Sonoma? Are you intimidated by the crazy number of auto insurance company choices? You have a lot of company. Consumers have so many companies to choose from that it can be a challenge to find the best price.

Free Car Insurance Quotes

To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. One of the best ways to find the cheapest 2003 GMC Sonoma insurance rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

Probably the best way to find low rates is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing repetitive form submissions for each company. A single, simple form will get you price quotes from all major companies. This is by far the quickest method.

A more difficult way to shop for car insurance online requires a visit to the website for every company you want to comare to request a price quote. For instance, let’s say you want rates from Nationwide, 21st Century and Geico. To get rate quotes you would need to visit 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 most time-consuming way to get comparison rates is driving to local insurance agencies. The internet has reduced the need for local agents unless you have a need for the professional guidance of a licensed agent. You can, however, get the lowest quotes online and still use a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but be sure to compare exactly the same deductibles and coverage limits for each comparison quote. If you are comparing differing limits you will not be able to decipher which rate is best. Just a small difference in limits can make a big difference in price. And when quoting car insurance, remember that having more price comparisons helps locate a better price.

Do you really save 40% when you switch?

Insurance coverage providers like Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. They all make the same claim that you can save if you switch your policy. How can each company make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that makes them money. A good example of a desirable insured could possibly be between the ages of 40 and 55, has no driving citations, and has excellent credit. A propective insured who meets those qualifications receives the best rates and therefore will save when switching.

Drivers who don’t qualify for the requirements will have to pay higher rates which leads to business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that much money. That’s the way companies can state the savings. Because of the profiling, drivers must get as many quotes as possible. It’s impossible to know which insurance coverage company will give you the biggest savings on GMC Sonoma insurance.

Save with discounts on GMC Sonoma insurance

Companies offering auto insurance don’t list every available discount very well, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Club Memberships – Participating in certain professional organizations could trigger savings when buying car insurance for Sonoma insurance.
  • Claim Free – Claim-free drivers can earn big discounts when compared to drivers who are more careless.
  • Service Members Pay Less – Having a deployed family member can result in better rates.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

A partial list of companies that may offer some of the above discounts include:

Double check with every prospective company which discounts you may be entitled to. Discounts might not apply in your state.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different.

For example, these questions can help discover whether you would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to get a high-risk car insurance policy?
  • Are rental cars covered under my policy?
  • Why am I required to buy high-risk coverage?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Insurance specifics

Having a good grasp of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2003 GMC Sonoma.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Auto liability insurance – This coverage can cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like ambulance fees, prosthetic devices, nursing services and X-ray expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Be a money saver!

Cheap 2003 GMC Sonoma insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and these smaller companies work with independent agents.

People switch companies for many reasons like policy cancellation, an unsatisfactory settlement offer, high prices or even high rates after DUI convictions. Whatever your reason, finding a new company is not as difficult as it may seem.

We just showed you many ways to get a better price on insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with a small mutual company.

For more information, feel free to visit the resources below: