1992 GMC Sonoma Insurance Quotes – 9 Tips for Best Rates

Want lower insurance rates for your GMC Sonoma? Pretty sure you bought an overpriced insurance policy? Trust us, you are not the only one feeling buyer’s remorse.

Many insurers compete for your insurance dollar, and it can be difficult to compare rates to find the best price available.

Smart consumers take time to take a look at other company’s rates at least once a year because rates fluctuate regularly. Even if you think you had the best rate for Sonoma insurance at your last renewal you will most likely find a better price today. There is a lot of bad advice regarding insurance online but you can learn a bunch of ideas how to find cheap insurance.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Finding affordable coverage is not rocket science. But car owners must comprehend how companies determine prices and apply this information to your search.

How to compare car insurance price quotes

To find the best car insurance rates, there are several ways to compare rate quotes from lots of car insurance companies. The best method to compare rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

  1. The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This quick form prevents you from having to do separate quotes for each company. One form will return price quotes from multiple companies.
  2. A slightly less efficient method to shop for car insurance online is to take the time to go to each company’s website and fill out a new quote form. For example, we’ll pretend you want to compare State Farm, Farmers and Progressive. In order to get each rate, you would have to navigate to each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just compare exactly the same coverages for every quote you compare. If you have different values for each quote you will not be able to find the best deal for your GMC Sonoma. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when quoting car insurance, remember that obtaining a wide range of quotes will enable you to find the best rates.

Take these nine policy discounts and save

Car insurance is not an enjoyable expense, but there’s a good chance there are discounts that could drop your premiums quite a bit. A few discounts will be applied when you purchase, but a few need to be requested specifically before being credited.

  • Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you can avoid monthly service charges.
  • Cautious Driver Discounts – Drivers who avoid accidents can save as much as half off their rates for Sonoma insurance than their less cautious counterparts.
  • Homeowners Savings – Owning your own home or condo may trigger a policy discount on car insurance because it requires a higher level of personal finance.
  • One Accident Forgiven – but some companies like Libery Mutual, GEICO and Allstate may permit one accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
  • Claim Free – Drivers who stay claim-free can earn big discounts when compared to insureds who have frequent claims or accidents.
  • Resident Student – who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Bundle and Save – When you have multiple policies and insure them with the same company you could save up to 20% and get you low cost insurance coverage.
  • Active Military Service – Having a family member in the military could mean lower car insurance rates.
  • Paper-free Discount – A few car insurance companies will provide an incentive just for signing your application over the internet.

One last thing about discounts, most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Larger car insurance companies and the discounts they provide can be read below.

  • GEICO includes discounts for five-year accident-free, air bags, federal employee, anti-lock brakes, membership and employees, anti-theft, and multi-vehicle.
  • MetLife offers premium reductions for claim-free, good student, accident-free, defensive driver, multi-policy, and good driver.
  • Progressive may offer discounts for multi-vehicle, continuous coverage, good student, online quote discount, online signing, and homeowner.
  • Travelers has discounts for good student, student away at school, multi-policy, hybrid/electric vehicle, multi-car, save driver, and continuous insurance.
  • SAFECO may have discounts that include drive less, teen safety rewards, anti-lock brakes, teen safe driver, and accident prevention training.
  • AAA offers discounts for education and occupation, AAA membership discount, good driver, multi-policy, anti-theft, and good student.

When quoting, ask all the companies which discounts they offer. Some discounts might not apply in your area. If you would like to choose from a list of companies with significant discounts, click here to view.

Which policy gives me the best coverage?

When buying coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might point out whether or not you could use an agent’s help.

  • What happens if I owe more than my 1992 GMC Sonoma is worth?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need motorclub coverage?
  • Do all my vehicles need collision coverage?
  • Am I getting all the discounts available?
  • Should I buy full coverage?
  • What exactly is covered by my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • If I drive on a suspended license am I covered?
  • Do I need an umbrella policy?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Coverage for liability

This will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, hospital visits, doctor visits, chiropractic care and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 1992 GMC Sonoma.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Collision coverage

Collision insurance pays for damage to your Sonoma resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

You can do this!

We just covered a lot of tips how to compare 1992 GMC Sonoma insurance rates online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

More tips and info about insurance coverage can be read by following these links: