How Much Does 1997 GMC Sonoma Insurance Cost?
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UPDATED: Aug 24, 2022
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Want better insurance rates for your GMC Sonoma? Paying for high-priced GMC Sonoma insurance can empty your bank account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. With so many options, it is hard for the average consumer to locate the right insurer.
Don’t miss out on these money-saving discounts
Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you are throwing money away.
- Low Mileage Discounts – Driving fewer miles could qualify for a substantially lower rate.
- Early Signing – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
- Accident Forgiveness – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
- Safety Course Discount – Taking a defensive driving course could save 5% or more if you qualify.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
- Life Insurance Discount – Larger companies have a discount if you purchase a life insurance policy as well.
It’s important to understand that most credits do not apply the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, you’re out of luck.
Companies that may have some of the above discounts include:
Before buying, ask each insurance company which discounts they offer. All car insurance discounts may not apply in your area.
Why your GMC Sonoma insurance rates may be high
It’s important that you understand the factors that play a part in calculating auto insurance rates. Knowing what determines base rates enables informed choices that could result in big savings.
- A clean driving record saves money – Drivers with clean records receive lower rates compared to drivers with tickets. Even a single moving violation may increase your cost twenty percent or more. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
- Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as doctors, executives and financial analysts tend to pay higher average rates due to job stress and lots of time spent at work. Conversely, occupations such as actors, engineers and performers have the lowest average rates for Sonoma coverage.
- Don’t cancel a policy without a new one in place – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
- More than one policy can earn a discount – Most insurance companies will give a discount to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.
- Battle of the sexes – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes cause accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
- Older drivers save more – More mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Young drivers are statistically proven to be less responsible when driving therefore auto insurance rates are much higher.
- Where you live can impact rates – Residing in a small town is a positive aspect when talking about auto insurance. City drivers regularly have more traffic problems and a longer drive to work. Lower population translates into fewer accidents.
Do I need special coverages?
When choosing adequate coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help highlight whether your personal situation would benefit from an agent’s advice.
- How can I find cheaper teen driver insurance?
- What is medical payments coverage?
- Do I need replacement cost coverage?
- What are the best liability limits?
- Can I still get insurance after a DUI?
- Am I covered by my spouse’s policy after a separation?
- What is the difference between comprehensive and collision coverage?
- Is my dog or cat covered if injured in an accident?
- Should I put collision coverage on all my vehicles?
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If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.
Save $449 a year? Really?
Drivers get pounded daily by advertisements that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings if you move your policy.
How can each company say the same thing? It’s all in the numbers.
Insurance companies are able to cherry pick for the type of driver that makes them money. For example, a driver they prefer might be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.
Consumers who don’t qualify for these standards must pay higher rates and this can result in business not being written. The ads state “drivers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently make those claims. This illustrates why you need to compare as many rates as you can. Because you never know which insurance companies will provide you with the cheapest GMC Sonoma insurance rates.
Educate yourself about auto insurance coverages
Having a good grasp of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on most auto insurance policies.
Coverage for liability – Liability coverage provides protection from damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability coverage pays for things like medical expenses, attorney fees, funeral expenses, emergency aid and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like EMT expenses, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like a broken windshield, vandalism and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like hitting a parking meter, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.
Buy online or local, you save
When shopping online for insurance coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to find the BEST coverage at an affordable rate.
We covered a lot of information how to compare 1997 GMC Sonoma insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best prices are with a small mutual company. These companies can often provide lower rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.
More information can be read at these links:
- Senior Drivers (Insurance Information Insitute)
- Things to Know Before you Cancel Insurance (Allstate)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Credit Impacts Car Insurance Rates (State Farm)
- Neck Injury FAQ (iihs.org)
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