1993 GMC Sonoma Insurance Rates

I doubt anyone looks forward to paying for car insurance, particularly when the price is too high. Because there are so many options when it comes to car insurance, it is hard for the average consumer to locate a more affordable car insurance provider.

The purpose of this post is to help educate you on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you should be able to save some money using this information. Drivers only need to know how to buy car insurance on the web.

Compare auto insurance quotes

There are multiple methods to compare auto insurance quotes, and some are less time-consuming than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize the web to get the quickest rates.

Most car insurance companies enroll in a system that enables customers to submit their information once, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating form submissions for each company.

To compare pricing click here to open in new window.

The single downside to using this type of form is you cannot specify the insurers to get quotes from. If you wish to select specific insurance companies to compare prices, we have a page of auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare the exact same quote data for each quote you get. If you have different deductibles it will be impossible to get a fair rate comparison.

Are you receiving every discount?

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested before being credited.

Accident Waiver – Not necessarily a discount, but certain companies will forgive one accident before raising your premiums so long as you are claim-free for a set time period.
Low Miles Discount – Driving fewer miles could earn slightly better rates than normal.
Senior Citizens – If you’re over the age of 55, you may receive lower premium rates for Sonoma insurance.
Early Switch Discount – Select car insurance companies give a discount for switching to them before your current policy expires. The savings is around 10%.
Paper-free Discount – A handful of larger companies may give you up to $50 simply for signing on your computer.
Discount for Home Ownership – Being a homeowner may earn you a small savings since home ownership shows financial diligence.
Seat Belts Save more than Lives – Requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
Club Memberships – Being in certain professional organizations may earn a discount on your next car insurance statement.
Discount for Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase life insurance.

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

A few companies that possibly offer most of these discounts are:

If you need lower rates, check with all the companies which discounts they offer. Savings might not be offered on policies in your area. If you would like to choose from a list of car insurance companies who offer cheap car insurance quotes, follow this link.

When in doubt talk to an agent

When choosing the right insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

When can I cancel my policy?
Does my policy cover my teen driver if they drive my company car?
Does coverage extend to a rental car in a foreign country?
Why does it cost so much to insure a teen driver?
Will my vehicle be repaired with OEM or aftermarket parts?
How does medical payments coverage work?
Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Specifics of your insurance policy

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, theft and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, colliding with a tree, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1993 GMC Sonoma.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as attorney fees, legal defense fees, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like chiropractic care, doctor visits, dental work, pain medications and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay