1990 GMC Sierra 3500 Car Insurance Rates

Searching for lower insurance coverage rates for your GMC Sierra 3500? If you’re looking for cheaper insurance online, do you get overwhelmed by the crazy number of insurance coverage sources? Many other drivers are as well. You have so many sources to choose from that it can really be a big hassle to find a more affordable company.

Which insurance coverage is cheapest?

To get the cheapest insurance coverage quotes, there a variety of ways to get quotes from many available insurance coverage companies in your state. The quickest method to find affordable 1990 GMC Sierra 3500 insurance rates is to perform an online rate comparison. This is quite simple and can be completed in several different ways.

  1. The fastest and easiest way to get quotes for comparison is a comparison rater form click to view form in new window. This quick form keeps you from doing a different quote for each price estimate. Filling out one form gets insurance cost estimates from several companies.It’s the quickest way to get rates.
  2. A more difficult way to get quotes online requires a visit to each company website and fill out a new quote form. For sake of this example, let’s assume you want to compare prices for Nationwide, Esurance and Farmers. To get rate quotes you would need to visit each site to input your insurance information, which can take a lot of time. For a list of links to insurance companies in your area, click here.
  3. The least recommended way to shop rates is going to local insurance agencies. Doing it all online eliminates this option unless you prefer the professional advice that can only be provided by a licensed insurance agent. It is possible with some companies obtain prices from the web but have a local agent actually write the policy.

The method you choose is up to you, but try to use the same coverage data for every quote you compare. If you are comparing different values for each quote it will be impossible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits may result in large price differences. Just remember that comparing more company’s prices increases the change that you will find more affordable insurance.

Affordable insurance coverage rates with discounts

Companies that sell car insurance do not list every policy discount very well, so below is a list a few of the more common and the more hidden discounts you could be receiving when you buy insurance coverage online. If you are not receiving all the discounts possible, you may be paying too high a price.

  • Student in College – Older children who live away from home to go to college and leave their car at home could get you a discount.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance and insure them with the same company you may earn nearly 15% which can help you find cheaper insurance coverage.
  • Accident Forgiveness – Not really a discount, but some insurance companies may permit one accident before they charge you more for coverage so long as you are claim-free for a set time period.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a break if you buy life insurance from them.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Sierra insurance but check with your company.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Telematics Devices – Insureds that choose to allow their insurance company to analyze driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as they are good drivers.
  • Save with a New Car – Buying insurance coverage on a new vehicle can save up to 30% since newer models are generally safer.
  • Multiple Cars – Purchasing coverage when you have multiple vehicles with the same insurance coverage company can get a discount for every vehicle.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies who might offer some of the discounts shown above are:

If you need lower rates, check with every prospective company to apply every possible discount. Some discounts may not apply everywhere. To find insurers that offer multiple discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Do I need replacement cost coverage on my 1990 GMC Sierra 3500?
  • Can I drive in Mexico and have coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my teen driver covered when they drive my company car?
  • Is business property covered if stolen from my car?
  • Why does it cost so much to insure a teen driver?
  • How can I force my company to pay a claim?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Five factors that impact insurance prices

Many factors are considered when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although others are less obvious like your continuous coverage or your vehicle rating.

  • Marriage is a bonus – Having a wife or husband actually saves money when buying insurance. Having a spouse is viewed as being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Be proud to be claim-free – Companies generally give lower rates to insureds who do not file claims often. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is designed for claims that you cannot pay yourself.
  • Amount of liability – A critical coverage on your policy, liability insurance will afford coverage when you are found liable for damages from an accident. Liability provides you with a defense in court to defend your case. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Premiums also based on gender – Statistics show that females take fewer risks when driving. However, this does not mean females are better drivers. Females and males have at-fault accidents at about the same rate, but the men get into accidents with more damage. Not only that, but men also receive more costly citations such as reckless driving. Male teenagers are most likely to cause an accident and thus pay the highest rates.
  • Eliminate unneeded incidental coverages – There are a ton of extra coverages that may not really be needed if you aren’t diligent. Coverages for rental car coverage, towing, and additional equipment coverage may be costing you every month. They may sound like good ideas when talking to your agent, but if you have no use for them remove them from your policy.

Insurance coverage considerations

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, hitting a deer, damage from getting keyed, fire damage and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as rehabilitation expenses, ambulance fees, prosthetic devices, hospital visits and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your Sierra 3500 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your GMC Sierra 3500.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Liability coverage

This protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as structural damage, medical services, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Final considerations

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at the best price while still protecting your assets.

Insureds who switch companies do it for many reasons like being labeled a high risk driver, delays in paying claims, not issuing a premium refund and an unsatisfactory settlement offer. Whatever your reason, switching auto insurance companies is not as hard as you think.

Cheaper auto insurance is possible both online and from local agencies, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance providers may not offer internet price quotes and many times these small insurance companies work with independent insurance agencies.

More detailed auto insurance information can be read in the articles below: