1997 GMC Sierra 3500 Insurance Rates – 5 Tricks for Best Quotes

Want lower auto insurance rates? Drivers have options when trying to find the lowest priced GMC Sierra 3500 insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to compare rates. There are more efficient ways to buy auto insurance and you need to know the proper way to compare rates on a GMC and get the lowest price from both online companies and local agents.

Five discounts for lower-cost car insurance rates

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we break down both well-publicized in addition to some of the lesser obvious discounts that may be available.

  • Auto/Home Discount – If you can combine your auto and homeowners policy and place coverage with the same company you could save as much as 10 to 15 percent.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy life insurance from them.
  • Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% for Sierra coverage than drivers with accidents.
  • Senior Discount – Drivers over the age of 55 may be able to get a small decrease in premiums for Sierra coverage.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way.

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

  • Progressive may offer discounts for online quote discount, online signing, good student, continuous coverage, and multi-policy.
  • MetLife has discounts for claim-free, good student, multi-policy, defensive driver, and good driver.
  • Mercury Insurance offers premium reductions for good driver, professional/association, accident-free, location of vehicle, and good student.
  • Nationwide may have discounts that include good student, multi-policy, Farm Bureau membership, business or organization, easy pay, and family plan.
  • GEICO offers discounts for driver training, multi-policy, emergency military deployment, air bags, seat belt use, five-year accident-free, and military active duty.
  • AAA discounts include education and occupation, multi-policy, pay-in-full, good student, anti-theft, multi-car, and good driver.

Before you buy a policy, ask every company which credits you are entitled to. Some discounts may not be offered in your area. If you would like to view insurance companies who offer online car insurance quotes, click here.

Low cost auto insurance prices

Finding cheaper 1997 GMC Sierra 3500 auto insurance prices is surprisingly easy. Consumers just need to take the time comparing rates to find. Price comparisons can be done by using one of the methods below.

  1. Hands down the most simple method to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate quotes for each company. One simple form gets insurance cost estimates from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to compare rate quotes consists of visiting the website for each individual company and fill out a new quote form. For examples sake, let’s say you want rates from Auto-Owners, State Farm and GEICO. To do that, you would have to spend time going to each site individually and punch in your information repeatedly, which can get old fast.

    For a list of companies in your area, click here.

It’s your choice how you get your quotes, but do your best to enter nearly identical coverage data for each comparison quote. If the quotes have differing limits it will be next to impossible to make an equal comparison.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • I don’t drive much so do I pay less?
  • At what point should I drop full coverage?
  • How do I buy GAP insurance?
  • Does my 1997 GMC Sierra 3500 qualify for pleasure use?
  • What is no-fault insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my teen drive my company car?
  • Does insurance cover tools stolen from my truck?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from ads for the lowest price car insurance from the likes of Allstate, GEICO and Progressive. They all state the claim that drivers can save some big amount after switching your car insurance coverage to their company.

Is it even possible that every company can claim to save you money? This is how they do it.

Insurance providers have specific characteristics for the driver that earns them the most money. An example of a profitable insured could possibly be between the ages of 30 and 50, has a low-risk occupation, and has excellent credit. A driver that fits those parameters receives the best prices and therefore will pay quite a bit less when switching companies.

Consumers who fall outside those standards will have to pay higher rates and this results in business not being written. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” can save as much as they claim. This is how insurance companies can confidently make claims that they all have the best premium rates. Because of the profiling, drivers should compare many company’s premium rates. Because you cannot predict which company will have the lowest auto insurance rates for your situation.

Insurance coverage breakdown

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1997 GMC Sierra 3500.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like EMT expenses, dental work and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This coverage will pay to fix damage to your Sierra 3500 from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. 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.

Auto liability insurance

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as attorney fees, emergency aid, bail bonds and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Quote more. Save more.

Consumers leave their current company for any number of reasons including not issuing a premium refund, delays in responding to claim requests, denial of a claim and even lack of trust in their agent. Whatever your reason, finding a new insurance coverage company is actually quite simple.

Lower-priced insurance coverage is definitely available on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer internet price quotes and many times these regional insurance providers provide coverage only through independent insurance agencies.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

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