Cheap 2010 GMC Sierra 1500 Car Insurance Quotes

Searching for better insurance prices for your GMC Sierra 1500 can normally be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to get price quotes for a new or used GMC and find the lowest price from both online companies and local agents.

It’s important to do rate comparisons quite often because insurance rates go up and down regularly. Even if you got the best deal for Sierra insurance six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to learn how to quote online to properly buy coverages while reducing your premium.

Buying the lowest cost insurance coverage is quite easy. If you have insurance now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Drivers just need to understand the most effective way to compare rates online.

Factors that can influence GMC Sierra 1500 insurance rates

Consumers need to have an understanding of some of the elements that help determine your insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower insurance prices.

  • Don’t sacrifice liability coverage – Liability insurance will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Where do you drive? – The more miles you rack up on your GMC in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your insurance policy shows how each vehicle is driven. Incorrect usage on your Sierra 1500 can result in significantly higher rates.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. Safer cars result in less severe injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your GMC Sierra 1500 has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Do you know you’re credit rating? – Credit history is a large factor in determining your rates. If your credit score is not that good, you could potentially save money when insuring your 2010 GMC Sierra 1500 by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
  • Extra coverages can waste money – There are many extra bells and whistles that can waste your money on your Sierra 1500 policy. Insurance for rental car reimbursement, accident forgiveness and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.

Don’t miss these discounts

Car insurance is not cheap, but there are discounts available to help bring down the price. Some trigger automatically when you complete an application, but a few need to be requested specifically prior to receiving the credit. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Anti-theft System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Drivers Ed for Students – Have your child enroll in driver’s education if offered at their school.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Claim Free – Claim-free drivers pay less compared to drivers who are more careless.
  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply up to age 25.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. But any discount will cut the cost of coverage.

Insurance companies that possibly offer these discounts are:

Double check with each company what discounts are available to you. All car insurance discounts may not apply in your state.

Save $414 a year? Really?

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm, Geico and Progressive. All the ads make the same claim that you can save if you change your policy.

How do they all claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer they prefer to insure. A good example of a driver they prefer might be a mature driver, owns a home, and has great credit. Any driver who fits that profile will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to the requirements will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say “people who switch” not “people who quote” save that much. That is how companies can truthfully advertise the savings.

Because of the profiling, it is so important to quote coverage with many companies. Because you never know which insurance companies will fit your personal profile best.

When might I need help?

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Does insurance cover tools stolen from my truck?
  • Am I covered when driving in Canada or Mexico?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to my business vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is PIP insurance?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance policy coverages for a 2010 GMC Sierra 1500

Knowing the specifics of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverages – Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like emergency aid, medical expenses and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists 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 2010 GMC Sierra 1500.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses like chiropractic care, rehabilitation expenses, doctor visits and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, falling objects and hail damage. The highest amount a auto 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 it’s probably time to drop comprehensive insurance.

Quote more. Save more.

We covered a lot of techniques to save on 2010 GMC Sierra 1500 insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a smaller regional carrier.

Cost effective insurance is possible on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Additional information can be read on the following sites: