View 1993 GMC Sierra 1500 Insurance Rates

Trying to find cheaper insurance coverage rates for your GMC Sierra 1500? I can’t think of anyone who looks forward to buying insurance coverage, particularly when their premiums are through the roof. With so many companies and agents to choose from, it can be impossible to locate a lower cost insurer.

Buying car insurance is not that difficult. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Drivers only need an understanding of the proper methods to shop their coverage around online.

How to get free insurance coverage quotes online

Cutting your insurance coverage rates is surprisingly easy. Just spend a little time comparing price quotes from online providers. You can get a good selection of rate quotes by following the guidelines below.

  1. The single most time-saving way to find low rates is a comparison rater form click to view form in new window. This method keeps you from doing repetitive form entry for each company you want a rate for. One simple form will return quotes direct from many companies.
  2. A more time consuming way to find better pricing is to manually visit the website of each company and repeat the quote process. For example, let’s assume you want rates from USAA, 21st Century and Allstate. In order to compare rates, you need to navigate to each company’s site and repeatedly type in your coverage information, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using the same coverage limits and deductibles for each quote you get. If you enter mixed coverages it will be impossible to determine the lowest rate for your GMC Sierra 1500.

Misconceptions in insurance coverage advertisements

Consumers can’t ignore all the ads that claim the best prices by companies like Allstate and Progressive. All the companies make the same claim about how much you will save if you switch your insurance coverage policy to them.

How does every company offer you a better deal? Here is how they do it.

All companies look for specific characteristics for the type of insured that earns them the most money. For example, a profitable risk profile might be over the age of 50, carries full coverage, and has a short commute. A driver who matches those parameters will qualify for the lowest prices and is almost guaranteed to save if they switch.

Potential insureds who are not a match for these stringent criteria will probably have to pay higher prices which translates to the customer buying from a different company. The trick companies use is to say “people that switch” not “everyone who quotes” save that much. That’s why insurance companies can confidently make those claims. Because of these techniques, it is so important to compare rate quotes every year. Because you cannot predict which insurance companies will be your best fit.

GMC Sierra 1500 insurance premiums can be cheaper

Consumers need to have an understanding of a few of the rating criteria that play a part in calculating car insurance rates. When consumers understand what determines base rates, this allows you to make good choices that can earn you lower car insurance prices. Many different elements are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving record, but other criteria are more obscure such as your credit history or your commute time.

The list below includes a partial list of the pieces that factor into premiums.

  • Car and home together may be cheaper – Most major insurers give a discount to people who consolidate policies with them in the form of a multi-policy discount. Even if you already get this discount, it’s in your best interest to compare other insurance prices to confirm you are receiving the best rates possible.
  • Save miles driven and save money – Driving more miles in a year’s time the higher your rates will be. Many insurance companies apply a rate based on how the vehicle is used. Vehicles that sit idle most of the time receive better premium rates compared to those used for work or business. An incorrectly rated Sierra 1500 can result in significantly higher rates. It’s always a good idea to double check that your car insurance coverage shows the proper vehicle usage, because it can save money.
  • Car insurance rates and age – Young drivers tend to be careless and easily distracted when driving and because of this, their car insurance rates are much higher. Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents and are safer drivers.
  • Save money with higher coverage deductibles – Comprehensive and collision coverage deductibles represent how much money you are willing to pay before your car insurance pays a claim. Coverage for physical damage, also called ‘full coverage’, insures against damage to your car. Examples of covered claims are collision with another vehicle, vandalism, or theft of your vehicle. The larger the amount you are required to pay out-of-pocket, the lower your rates will be on Sierra insurance.
  • Big city or small town – Living in smaller towns and rural areas of the country has it’s advantages if you are looking for the lowest rates. City drivers regularly have more auto accidents and longer commutes to work. Less people translates into fewer accident claims and a lower car theft rate.
  • GPS tracking and theft deterrents lower rates – Driving a car that has an advanced theft prevention system can help lower your rates. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

Use discounts on insurance coverage

Insurance coverage can be pricey, but you may be missing some discounts to help offset the cost. Some of these disounts will be visible when you quote, but some must be asked for before you will receive the discount.

  • Defensive Driver Discount – Taking part in a defensive driving class could save 5% or more and also improve your driving technique.
  • Onboard Data Collection – Policyholders that allow companies to look at driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as the data is positive.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance.
  • No Accidents – Insureds with no claims or accidents get the best insurance coverage rates when compared to frequent claim filers.
  • New Vehicle Savings – Adding a new car to your policy can get you a discount compared to insuring an older model.
  • Paperless Signup – A few companies will provide an incentive for completing your application digitally online.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.

As a sidenote, some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down the premium cost.

Popular insurance coverage companies and the discounts they provide can be read below.

  • 21st Century has savings for student driver, teen driver, driver training, defensive driver, theft prevention, anti-lock brakes, and good student.
  • Progressive includes discounts for good student, multi-vehicle, continuous coverage, online signing, homeowner, online quote discount, and multi-policy.
  • State Farm may offer discounts for passive restraint, defensive driving training, good driver, student away at school, accident-free, Steer Clear safe driver discount, and safe vehicle.
  • Nationwide discounts include family plan, defensive driving, multi-policy, business or organization, and easy pay.
  • Esurance policyholders can earn discounts including good student, safety device, claim free, Switch & Save, and good driver.
  • The Hartford offers discounts for bundle, vehicle fuel type, air bag, anti-theft, driver training, good student, and defensive driver.

If you are trying to find cheap insurance quotes, ask each company which discounts you may be entitled to. Some credits may not be offered in your area. To view companies who offer insurance coverage discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if you could use an agent’s help.

  • Is pleasure use cheaper than using my 1993 GMC Sierra 1500 to commute?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Does having multiple vehicles earn me a discount?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my teen drive my company car?
  • When do I need to add a new car to my policy?
  • Why is insurance for a teen driver so high?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage information

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most auto insurance policies.

Collision – This coverage will pay to fix damage to your Sierra 1500 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, damage from flooding and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Sierra 1500.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto liability insurance – This coverage provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

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. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as emergency aid, attorney fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like nursing services, doctor visits, EMT expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Save for a rainy day

We just presented many ways to compare 1993 GMC Sierra 1500 insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest insurance. You may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

Cheaper car insurance is possible online as well as from insurance agents, so you need to quote insurance with both to have the best rate selection. Some car insurance companies don’t offer rate quotes online and many times these regional carriers only sell through independent agents.

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