1999 GMC Sierra 1500 Insurance Quotes

Searching for the cheapest insurance coverage rates for your GMC Sierra 1500? Are you tired of scraping the payment together to pay high insurance coverage rates every month? You are in the same boat as the majority of other consumers. There is such a variety of insurers to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare company pricing.

You need to do rate comparisons on a regular basis because insurance coverage rates trend upward over time. If you had the best rate for Sierra coverage a couple years back you may be paying too much now. There is a lot of wrong information about insurance coverage online, but in this article, you’re going to get some good information on how to lower your insurance coverage rates.

How you can control GMC Sierra 1500 insurance premiums

When buying insurance it’s important to understand a few of the rating criteria that play a part in calculating the level of your policy premiums. If you understand what influences your rates, this allows you to make educated decisions that may reward you with lower rates.

The items below are some of the most rate-impacting factors insurance companies consider when setting your prices.

  • Cheaper to insure gals? – Statistics have proven women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. Both genders are in fender benders in similar numbers, but the males tend to have more serious accidents. In addition to higher claims, males also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive insurance rates.
  • Teen drivers pay high rates – Inexperience drivers tend to be easily distracted when at the wheel of a vehicle therefore insurance rates are much higher. Adding a inexperienced driver onto a policy can be quite pricey. Older insureds are proven to be safer behind the wheel, file fewer claims and tend to be get fewer driving tickets.
  • Single vs. married – Being married helps lower the price when shopping for insurance. Having a significant other translates into being more responsible and it’s proven that drivers who are married file infrequent claims.
  • Urban residents pay more – Being located in a rural area has it’s advantages when buying insurance. Lower population translates into fewer accidents as well as less vandalism and auto theft. People in densly populated areas tend to have more auto accidents and longer commutes to work. The longer drive time means more chance of being in an accident.
  • A coverage lapse can increase premiums – Having a gap between insurance policy dates will be a quick way to trigger a rate increase. In addition to paying higher premiums, getting caught without coverage could result in a license revocation or jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Do you qualify for a multi-policy discount? – Most major companies afford lower prices to people that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, it’s still a good idea to check prices from other companies to verify if the discount is saving money.
  • Your employer and insurance rates – Jobs like judges, business owners and emergency personnel generally pay higher premiums than the average policyholder because of intense work situations and lots of time spent at work. Other occupations like scientists, engineers and retirees generally pay rates lower than average for Sierra coverage.
  • Safer cars are cheaper to insure – Safer cars tend to have lower insurance rates. Vehicles built for safety reduce injuries and fewer injuries means your insurance company pays less and more competitive rates for policyholders.

Cheap insurance coverage quotes

Effectively comparing insurance coverage prices is a ton of work if you don’t know the best way to get rate quotes. You can spend countless hours driving to insurance agencies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Most major companies participate in a marketplace where prospective buyers enter their policy data once, and each company can give them a price for coverage. This system prevents you from having to do repetitive form submissions to each company. To enter your information into the quoting system, click here (opens in new window).

One minor caviat to comparing rates this way is that you can’t choose which providers to get pricing from. So if you prefer to choose individual companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make darn sure you compare identical coverages for each price quote. If each company quotes different values for each quote it’s impossible to find the best deal for your GMC Sierra 1500.

Get affordable insurance coverage rates with discounts

Car insurance companies don’t necessarily list every disount available very clearly, so we researched both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online. If you do not check that you are getting every discount you deserve, you are not getting the best rate possible.

  • Switch and Save Discount – A few insurance coverage companies allow discounts for switching companies early. The savings is around 10%.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
  • Discounts for Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote car insurance for Sierra coverage depending on your insurance coverage provider.
  • Policy Bundle Discount – When you combine your auto and home insurance and insure them with the same company you may earn over 10 percent off each policy depending on the company.
  • Student Discount for Driver Training – Teen drivers should take driver’s ed class if offered at their school.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars with the same insurance coverage company qualifies for this discount.

You should keep in mind that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see insurance companies who offer cheap insurance coverage quotes, follow this link.

Tailor your insurance coverage to you

When choosing adequate coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • How much liability insurance is required?
  • What can I do if my company denied a claim?
  • Should I buy only the required minimum liability coverage?
  • Will my insurance pay for OEM parts?
  • Why do I need rental car insurance?
  • What is medical payments coverage?
  • Why am I required to buy liability insurance?
  • Will my rates increase for filing one claim?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance policy coverages for a GMC Sierra 1500

Having a good grasp of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, damage from a tornado or hurricane and hail damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra 1500.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses such as ambulance fees, doctor visits and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage covers damage to your Sierra 1500 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, loss of income, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a money saver!

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability coverage limits only to find out that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

Cheaper car insurance can be bought from both online companies in addition to local insurance agencies, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer rates over the internet and most of the time these smaller companies sell through local independent agents.

In this article, we covered a lot of ways to shop for 1999 GMC Sierra 1500 insurance online. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the most savings is with a lesser-known regional company. Smaller companies may have significantly lower prices on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

To read more, feel free to browse the articles below: