How Much Does 1999 GMC Sierra Classic 1500 Insurance Cost?

High-priced car insurance can overdraw your savings account and put a big crunch on your finances. Doing a rate comparison is an excellent way to ensure you are getting the best deal.

Lots of insurance companies contend for your business, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest rate

How to buy auto insurance

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You could spend your day talking about coverages with agents in your area, or you can utilize the web for quick rates.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and at least one company can give them a price for coverage. This prevents consumers from doing quote requests to each individual auto insurance company.

To find out how much you can save on auto insurance click to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which insurance companies to receive prices from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

Which method you use is up to you, but try to keep equivalent coverages and limits for each quote you get. If you are comparing different deductibles it will be very difficult to determine the lowest rate for your GMC Sierra Classic 1500. Having just a slight variation in coverage limits could mean much higher rates. Just keep in mind that having more price comparisons helps improve the odds of finding the best rates. Some smaller insurers to not give online quotes, so it’s important to compare rates from them as well.

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Choices you make can impact your insurance premiums

Many factors are taken into consideration when premium rates are determined. Some of the criteria are obvious like your driving record, although others are less obvious like your vehicle usage or your commute time.

Rural areas have lower costs – Having an address in a rural area can save you money when shopping for auto insurance. Drivers who live in large cities regularly have traffic congestion and a longer drive to work. Fewer drivers and short commutes translates into fewer accidents as well as less vandalism and auto theft.
Don’t get traffic citations – Being a careful driver impacts premiums far more than you think. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Just one citation can increase rates forty percent or more. Drivers with flagrant citations like hit and run, DWI or reckless driving convictions might be required by their state to prove financial responsibility with their state DMV in order to continue driving.
Marriage is a factor – Being married can get you a discount on your insurance coverage policy. It is viewed as being more mature and statistics prove married drivers get in fewer accidents.
Where do you drive? – Driving more miles every year the more you will pay for insurance coverage. The majority of insurers calculate prices based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your policy shows the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Sierra Classic 1500 is just wasting money.
Bump up comp and collision deductibles to lower rates – Physical damage coverage, aka comp and collision, protects your GMC from damage. Some examples of covered claims would be colliding with a building, collision with an animal, and damage from a fallen tree branch. The deductibles are how much you are required to spend if the claim is covered. The more you’re willing to pay, the less your company will charge you for insurance for Sierra Classic coverage.
Drive a safer car and pay less – Vehicles with good safety scores get lower rates. These vehicles reduce occupant injuries and lower rates of occupant injuries means lower claim amounts which can result in lower premiums.
High credit rating translates to low prices – Having a bad credit history factor in determining what you pay for insurance coverage. Therefore, if your credit leaves room for improvement, you could save money insuring your 1999 GMC Sierra Classic 1500 by improving your credit score. Insureds that have very good credit scores tend to be better risks to insure than drivers with bad credit.

Drivers can save with these discounts

Companies that sell car insurance don’t necessarily list the entire discount list very clearly, so the below list has both the well known and also the lesser-known insurance coverage savings.

New Car Discount – Insuring a vehicle that is new can save you some money since new model year vehicles are generally safer.
Drive Safe and Save – Drivers without accidents can save up to 40% or more on their insurance quote for Sierra Classic coverage than drivers with accidents.
Air Bag Discount – Cars that have air bags or automatic seat belts may get savings up to 30%.
Membership in Organizations – Being a member of a civic or occupational organization could earn you a nice discount on insurance coverage.
Own a Home – Just owning your own home can earn you a little savings due to the fact that maintaining a home means you have a higher level of financial diligence.
Mature Driver Discount – If you qualify as a senior citizen, you could receive better insurance coverage rates for Sierra Classic coverage.
Full Payment Discount – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.

Remember that most discount credits are not given the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Even though the math looks like you could get a free insurance coverage policy, it’s just not the way it works.

Auto insurance companies that possibly offer these money-saving discounts include:

Double check with every company which credits you are entitled to. Some discounts listed above might not be offered on policies in your area.

Special considerations

When buying the best insurance coverage coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out whether your personal situation might need professional guidance.

Does my policy pay for OEM or aftermarket parts?
What can I do if my company won’t pay a claim?
Can I get a multi-policy discount for packaging my home and auto coverage?
Should I buy more coverage than the required minimum liability coverage?
Are my friends covered when driving my 1999 GMC Sierra Classic 1500?
Do I need replacement cost coverage on my 1999 GMC Sierra Classic 1500?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Information about specific coverages

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, vandalism, damage from getting keyed and hitting a deer. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your GMC Sierra Classic 1500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision insurance

Collision insurance pays for damage to your Sierra Classic 1500 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, backing into a parked car, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

This coverage protects you from injuries or damage you cause to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

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. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles, attorney fees, court costs and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, doctor visits, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

Some insurance providers don’t offer internet price quotes and these regional insurance providers only sell through local independent agencies. Affordable 1999 GMC Sierra Classic 1500 insurance is available on the web and from local agencies, and you should be comparing both to get a complete price analysis.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

Additional insurance information can be found below: