1991 GMC Sierra 1500 Insurance Quotes – 8 Tips for Cheaper Rates
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UPDATED: Aug 23, 2022
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Want cheaper insurance rates for your GMC Sierra 1500? No one in their right mind cherishes buying insurance, especially knowing the cost is way too high. With consumers having so many options, it is hard for the average consumer to find the right insurance company.
It’s a great practice to shop coverage around at least once a year since insurance rates are usually higher with each renewal. Just because you had the best deal for Sierra coverage on your last policy there is a good chance you can find better rates now. So just ignore everything you know about insurance because it’s time to teach you the fastest and easiest way to find better rates and still maintain coverage.
Low Cost Insurance Coverage
Comparing insurance coverage rates can take time and effort if you don’t utilize the best way to get rate quotes. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.
Most of the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and each participating company can provide price quotes determined by their information. This saves time by eliminating quotation requests to every company.
To access this free quoting program, click here (opens in new window).
The single downside to getting quotes like this is you are unable to specify which carriers you will receive quotes from. If you wish to select specific insurance companies to request quotes from, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.
However you get your quotes, make darn sure you compare the exact same coverages for each price quote. If the quotes have differing limits you can’t possibly determine which rate is truly the best.
Can switching companies really save?
Drivers get pounded daily by advertisements that promise big savings from companies such as State Farm, GEICO and Progressive. They all make the same claim of big savings after switching your policy.
But how can every company say the same thing? This is how they do it.
All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a desirable insured might be between 25 and 40, has no tickets, and has excellent credit. Any driver who matches those parameters gets the lowest rates and therefore will save when they switch companies.
Potential customers who don’t meet the requirements must pay more money and this can result in the customer not buying. The ads state “customers that switch” not “people who quote” save that much. This is how insurance companies can state the savings. This illustrates why drivers should get quotes from several different companies. It’s just too difficult to predict which insurance companies will give you the biggest savings on GMC Sierra 1500 insurance.
Do you qualify for these eight discounts?
Companies offering auto insurance don’t list every available discount in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known insurance coverage savings. If they aren’t giving you every credit possible, you are paying more than you should be.
- Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
- Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application on their website.
- Accident Free – Good drivers with no accidents pay much less as compared to drivers who are more careless.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
- 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Sierra coverage.
- Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
- New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
It’s important to understand that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.
Companies that may have some of the above discounts may include but are not limited to:
Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in your area.
Don’t assume everyone needs the same coverage
When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining if your situation might need an agent’s assistance.
- Is other people’s property covered if stolen from my vehicle?
- Exactly who is provided coverage by my policy?
- Is there coverage for injuries to my pets?
- Do all my vehicles need collision coverage?
- When can my company non-renew my policy?
- Why does it cost so much to insure a teen driver?
- Is business property covered if stolen from my car?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.
Insurance policy specifics
Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.
Coverage for liability
This coverage protects you from damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things like funeral expenses, medical services and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.
Comprehensive coverage (or Other than Collision)
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverage protection
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.
Insurance for medical payments
Med pay and PIP coverage provide coverage for bills for things like ambulance fees, funeral costs, surgery, doctor visits and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your GMC Sierra 1500.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
The bottom line
When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the best price while still protecting your assets.
We just covered many tips how you can get a better price on 1991 GMC Sierra 1500 insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from the least-expected company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.
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