View 2003 GMC Sonoma Insurance Quotes

Want lower auto insurance rates for your GMC Sonoma? Think you have an overpriced auto insurance policy? It’s quite common and there are many drivers thinking the same thing. Companies like GEICO, Farmers Insurance and State Farm all claim big savings with catchy ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

Cheap auto insurance rate quotes

There are multiple methods to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You could spend your day driving to insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

Most of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and each participating company then gives them pricing determined by their information. This system prevents you from having to do form submissions to every company.

To access this free quoting program, click here to open in new window.

The only downside to using this type of system is buyers cannot specifically choose the companies to receive prices from. So if you prefer to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but compare identical quote data on every quote you get. If each company quotes higher or lower deductibles then you won’t be able to find the best deal for your GMC Sonoma.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out if your situation will benefit from professional help.

  • Is pleasure use cheaper than using my 2003 GMC Sonoma to commute?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my custom paint covered by insurance?
  • Why am I required to buy high-risk coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • How much liability coverage do I need in my state?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Auto liability

Liability coverage will cover damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2003 GMC Sonoma.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from flooding, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as X-ray expenses, EMT expenses, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay