Cheapest 1996 GMC Sierra 1500 Insurance Rates in 2023
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UPDATED: May 12, 2022
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Want lower auto insurance rates? Drivers have lots of choices when trying to find the lowest priced GMC Sierra 1500 insurance. They can either waste time calling around to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to shop for auto insurance and you need to know the proper way to compare rates for a new or used GMC and locate the best price possible from both online companies and local agents.
Smart consumers take time to compare prices periodically due to the fact that insurance rates go up and down regularly. Just because you found the lowest price for Sierra insurance six months ago the chances are good that you can find a lower rate today. So ignore everything you know about auto insurance because I’m going to teach you the tricks you need to know to reduce your cost while increasing coverage.
Quick Auto Insurance Quotes
There are a variety of methods you can shop for 1996 GMC Sierra 1500 auto insurance and some are more efficient than others. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.
Many companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company provides a quote for coverage. This eliminates the need for quotation requests to each company. To find out how much you’re overpaying now click to open in new window.
The only drawback to using this type of form is that consumers can’t choose the companies to receive prices from. If you wish to select individual companies to compare rates, we have a listing of companies who write auto insurance in your area. Click here to view list.
It’s up to you how you get prices quotes, just double check that you are using apples-to-apples information for every company. If you are comparing mixed coverages it’s not possible to truly determine the lowest rate.
Your personal situation dictates your coverage
When it comes to choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.
These are some specific questions may help highlight if your situation might need an agent’s assistance.
- What is the minimum liability in my state?
- Is my dog or cat covered if injured in an accident?
- Can my teen driver be rated on a liability-only vehicle?
- If I drive on a suspended license am I covered?
- Are my tools covered if they get stolen from my vehicle?
- Is a blown tire covered by insurance?
- Will my vehicle be repaired with OEM or aftermarket parts?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.
Specifics of your auto insurance policy
Having a good grasp of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like hail damage, damage from flooding, fire damage and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability coverages – This coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability coverage protects against things such as medical services, repair bills for other people’s vehicles, bail bonds, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your GMC Sierra 1500.
Because many people 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.
Collision coverage – This coverage covers damage to your Sierra 1500 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like sustaining damage from a pot hole, crashing into a building, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses such as prosthetic devices, surgery, EMT expenses and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
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