Cheap 1996 GMC Sierra 3500 Insurance Quotes

Nobody I know fancies paying their premiums for insurance, particularly when they could get a better deal.

There is such a variety of insurance companies to choose from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates and find the lowest cost insurance.

Choosing the best insurance company for you is not rocket science. Just about every driver who buys insurance coverage will most likely be able to cut their insurance bill. Although drivers need to learn how big insurance companies compete online and use this information to your advantage.

The easiest way to compare rate quotes is to know the trick most insurance companies allow for online access to compare rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details including how many miles driven, if you have a valid license, whether you have decent credit, and deductibles desired. Your details is then sent to insurance carriers in your area and you should receive rate quotes very quickly.

The ad said I’d save $483 a year!

Well-known insurance companies like Allstate, GEICO and Progressive seem to constantly run television and radio advertisements. They all make an identical promise that you can save after switching to their company. How does each company make almost identical claims? It’s all in the words they use.

Insurance companies require specific criteria for the type of customer that will add to their bottom line. One example of a desirable risk should be between 30 and 50, has a clear driving record, and drives less than 5,000 miles a year. Any customer that fits those parameters will get the preferred premium rates and as a result will probably save a lot of money.

Drivers who don’t qualify for this stringent profile may receive a higher premium with the end result being the prospect going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that much money. That’s the way companies can make claims like that. That is why it is so important to do a quote comparison often. It’s impossible to know which insurance companies will provide you with the cheapest car insurance rates.

Insurance policy discounts

Insurance is not an enjoyable expense, but there could be available discounts that can help lower your rates. Most are applied at the time of quoting, but some must be specially asked for prior to getting the savings. If you don’t get every credit available, you are just wasting money.

  • Data Collection Discounts – Policyholders that allow their company to monitor when and where they use their vehicle by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they show good driving skills.
  • Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you will save nearly 15% which can help you find the cheapest auto insurance.
  • Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Sierra coverage than their less cautious counterparts.
  • Distant Student Discount – Older children who live away from home to go to college and don’t have a car could get you a discount.
  • Discount for Low Mileage – Low mileage vehicles could qualify for better insurancerates on cars that stay parked.

Just know that some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, insurance companies aren’t that generous. But all discounts will reduce your policy premiums.

A few of the larger companies and a partial list of their discounts are shown below.

  • Esurance may have discounts that include online shopper, emergency road assistance, online quote, Pac-12 alumni, and Switch & Save.
  • The Hartford policyholders can earn discounts including defensive driver, bundle, anti-theft, good student, and driver training.
  • AAA has savings for pay-in-full, good student, multi-policy, multi-car, education and occupation, and AAA membership discount.
  • GEICO offers premium reductions for anti-lock brakes, multi-policy, military active duty, seat belt use, and air bags.
  • State Farm includes discounts for anti-theft, Steer Clear safe driver discount, passive restraint, good driver, and student away at school.

If you are trying to find the cheapest auto insurance quotes, ask all companies you are considering what discounts are available to you. Discounts might not be offered in your area.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I missing any policy discounts?
  • Should I buy additional glass protection?
  • What is PIP insurance?
  • How much underlying liability do I need for an umbrella policy?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Specific coverages for a 1996 GMC Sierra 3500

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Auto liability – This will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as emergency aid, attorney fees and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like X-ray expenses, pain medications and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the 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 coverages – Collision coverage covers damage to your Sierra 3500 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, fire damage and falling objects. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Smart shoppers get results

Cheap 1996 GMC Sierra 3500 insurance can be found from both online companies as well as from insurance agents, so you need to quote auto insurance with both to have the best chance of lowering rates. Some companies may not have price quotes online and most of the time these regional insurance providers prefer to sell through independent insurance agents.

We just presented a lot of tips how to shop for 1996 GMC Sierra 3500 insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest auto insurance. You may even find the lowest car insurance rates are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm or Progressive.

More detailed auto insurance information is located at these sites: