2007 GMC Sierra 3500 Classic Insurance Rates – 8 Tips for Cheapest Quotes

Nobody that owns a car likes buying auto insurance, especially when they are aware that they are paying too much.

Companies like GEICO and Progressive persitently shower you with catchy ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

It’s important to compare rates on a regular basis because insurance rates change regularly. Just because you found the lowest rate for Sierra Classic insurance two years ago there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but I’m going to show you some of the best ways to lower your auto insurance bill.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Buying car insurance is easy if you know what you’re doing. But consumers do need to understand how insurance companies market on the web and use this information to your advantage.

Lower rates by qualifying for these eight discounts

Car insurance is expensive, but there could be significant discounts that you may not know about. A few discounts will be applied when you purchase, but a few must be specifically requested before you will receive the discount.

  • Discounts for Good Drivers – Drivers without accidents could pay up to 40% less for Sierra Classic insurance compared to accident prone drivers.
  • Active Service Discounts – Having a deployed family member may lower your rates slightly.
  • Good Students Pay Less – Excelling in school may save as much as 25% on a auto insurance quote. This discount can apply well after school through age 25.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Passive Restraints – Factory air bags can qualify for discounts of more than 20%.
  • Membership in Organizations – Affiliation with qualifying clubs or civic groups could trigger savings on car insurance.
  • Government Employee Discount – Employees or retirees of the government may reduce rates when you quote auto insurance for Sierra Classic insurance depending on your car insurance provider.
  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.

You can save money using discounts, but most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, you aren’t that lucky. Any qualifying discounts will definitely lower your policy cost.

A list of car insurance companies and the discounts they provide are outlined below.

  • Travelers may include discounts for new car, multi-policy, multi-car, continuous insurance, and early quote.
  • 21st Century discounts include defensive driver, driver training, 55 and older, teen driver, early bird, theft prevention, and homeowners.
  • State Farm may have discounts that include defensive driving training, passive restraint, Drive Safe & Save, good driver, multiple autos, safe vehicle, and anti-theft.
  • GEICO includes discounts for daytime running lights, multi-vehicle, military active duty, good student, anti-lock brakes, and emergency military deployment.
  • SAFECO offers discounts for anti-theft, teen safe driver, bundle discounts, homeowner, and multi-car.
  • AAA may offer discounts for anti-theft, good driver, pay-in-full, education and occupation, and multi-policy.

It’s a good idea to ask each company to apply every possible discount. Savings may not apply to policies in every state.

Compare auto insurance rate quotes online

When comparison shopping, there are several ways to obtain and compare prices from lots of auto insurance companies. By far the easiest way to lower the rate you pay for GMC Sierra 3500 Classic insurance is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to get the best comparison quotes is a comparison rater form (click to open form in new window). This quick form eliminates the need for separate forms for every prospective company. One form will get you rate comparisons from all major companies.

A harder way to find more affordable insurance requires a visit to the website for every company you want to comare to request a price quote. For example, we’ll assume you want to view quotes from Progressive, Esurance and Liberty Mutual. To find out each rate you need to visit each site and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

The old school method to shop rates is to drive around to each insurance agency near you. The internet has reduced the need for local agents unless you require the professional abilities that can only be provided by a licensed insurance agent. You can, however, compare online quotes but have a local agent actually write the policy.

Whichever way you choose to compare rates, make sure you are using identical coverage data with each company. If your comparisons have different coverage information you will not be able to get a fair rate comparison. Just a small difference in insurance coverages could mean much higher rates. And when quoting auto insurance, remember that more quotes helps increase your odds of locating lower pricing. Some companies don’t provide online quotes, so it’s important to compare price quotes from them as well.

Insurance is unique, just like you

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out whether or not you would benefit from professional advice.

  • Is a new car covered when I drive it off the dealer lot?
  • What can I do if my company won’t pay a claim?
  • Exactly who is provided coverage by my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • What is UM/UIM insurance?
  • Is motorclub coverage worth it?
  • Do I need special endorsements for business use of my vehicle?
  • When can I cancel my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Parts of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle, theft, damage from getting keyed and damage from flooding. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your GMC Sierra 3500 Classic.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Liability car insurance

This coverage protects you from injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, medical expenses, bail bonds and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision coverage covers damage to your Sierra 3500 Classic resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as nursing services, prosthetic devices, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Don’t break the bank

More affordable auto insurance can be found on the web in addition to local insurance agencies, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not have the ability to get a quote online and many times these small, regional companies sell through independent insurance agents.

When you buy auto insurance online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

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