View 2000 GMC Sierra 1500 Insurance Quotes

Looking for lower car insurance rates for your GMC Sierra 1500? Did budget coverage turn out to be an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you. Due to the increasing number of online and local companies to choose from, it can be impossible to choose the right insurer.

The purpose of this article is to teach you how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Drivers just need to learn the proper way to get comparison rates online.

First Step: Get free car insurance quotes

The majority of larger companies such as GEICO, State Farm and Progressive give coverage prices on their websites. Getting online rates can be done by anyone as you just enter the coverage amounts you desire into the quote form. Behind the scenes, their quoting system gets credit information and your driving record and generates a price based on the information you submitted. Quoting online makes comparing rates easy, but the time it takes to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to get a better rate.

The easiest way to get multiple rate quotes uses just one form that obtains quotes from many companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much simpler. As soon as you send your information, your coverage is rated and you can select any of the resulting price quotes.

If a lower price is quoted, you can click and sign and purchase the new policy. It takes less than 15 minutes and could lower your rates considerably.

To get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you input exactly as shown on your declarations page. This way, you will be getting comparison quotes based on similar coverages.

Auto insurance rates and discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that can dramatically reduce your bill. Certain discounts will be applied at the time you complete a quote, but some discounts are required to be requested specifically prior to getting the savings.

  • Defensive Driver Discounts – Participating in a defensive driving class is a good idea and can lower rates and make you a better driver.
  • Cautious Driver Discounts – Insureds who avoid accidents can pay as much as 50% less on Sierra coverage compared to rates paid by drivers with frequent claims.
  • Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
  • Military Deployment Discount – Being deployed with a military unit could be rewarded with lower rates.
  • Club Memberships – Being in a civic or occupational organization may earn a discount on your next auto insurance statement.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.

A little disclaimer on discounts, most credits do not apply the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

Companies that may offer quotes with some of the discounts shown above are:

When quoting, ask each company the best way to save money. All car insurance discounts might not be offered on policies in your area. If you would like to view companies who offer free auto insurance quotes, click here to view.

Smart buyers save money

Lots of factors are part of the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but some are less apparent such as whether you are married and annual miles driven.

  • Women tend to cost less – The statistics show that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Females and males have at-fault accidents in similar numbers, but males have costlier accidents. Not only are claims higher, but men get cited for more serious violations like driving under the influence (DUI).
  • See if your company offers a multi-policy discount – The majority of companies give a discount to policyholders that buy multiple policies such as combining an auto and homeowners policy. This can amount to ten percent or more. Even with this discount, you still need to compare rates to guarantee you are still saving the most.
  • Avoid tickets and save – Your driving citation history has a big impact on rates. Careful drivers have lower premiums than their less careful counterparts. Even one speeding ticket or other violation can increase the cost of insurance twenty percent or more. Drivers who have received multiple citations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to legally drive a vehicle.
  • Safeguard your assets with liability protection – Liability insurance provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so do not cut corners here.
  • Raising physical damage deductibles lowers costs – Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your GMC from damage. Some examples of claims that would be covered would be colliding with a building, hitting a deer, and damage from a fallen tree branch. Deductibles for physical damage represent how much money you are required to spend before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Sierra coverage.
  • Younger drivers pay more – Teen drivers are statistically proven to get distracted easily with other occupants in the car so they pay higher insurance rates. Older insureds are more cautious drivers, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • If you don’t need it don’t buy it – Policies have optional add-on coverages you can purchase if you don’t pay attention. Insurance for personal injury protection, accident forgiveness, and extra equipment coverage could be just wasting money. They may seem good at first, but your needs may have changed so eliminate the coverages to reduce your premium.

Situations that may require an agent’s advice

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • Why am I required to buy high-risk coverage?
  • Is business property covered if stolen from my car?
  • Does insurance cover tools stolen from my truck?
  • Should I drop comprehensive coverage on older vehicles?
  • What is UM/UIM insurance?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance specifics

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for prosthetic devices, rehabilitation expenses, nursing services, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding and a broken windshield. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays for damage to your Sierra 1500 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your GMC Sierra 1500.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Coverage for liability

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as bail bonds, structural damage, loss of income and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

The best insurance company isn’t always the cheapest

When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

More affordable car insurance is possible both online and from local agencies, and you should compare price quotes from both to get a complete price analysis. Some companies may not offer the ability to get a quote online and most of the time these small, regional companies only sell coverage through independent insurance agents.

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