Cheapest 1999 GMC Sierra 1500 Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Searching for cheaper insurance coverage rates for your GMC Sierra 1500? I can’t think of anyone who enjoys paying for insurance coverage, particularly when their premiums are too high. Drivers have so many car insurance companies to choose from, and though it is a good thing to have a choice, it makes it harder to get the best deal.

Shopping for cheaper protection is quite easy. If you are insured now or are shopping for new coverage, you can learn to find the best rates and possibly find even better coverage. Vehicle owners just need to know the most effective way to compare rates on the web.

GMC Sierra 1500 insurance rates are influenced by…

Smart consumers have a good feel for the different types of things that go into determining your auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that could result in lower auto insurance prices.

  • Do you have enough liability coverage? – Liability insurance provides coverage when you are found liable for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Bad driving skills means higher rates – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation can boost insurance rates by as much as thirty percent. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Pay less if you’re married – Having a spouse helps lower the price on your auto insurance policy. Having a spouse translates into being more mature and it’s proven that married couples file fewer claims.
  • Equipment add-ons that lower auto insurance rates – Owning a car with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Some trigger automatically when you quote, but less common discounts must be requested specifically prior to getting the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% for Sierra coverage.
  • College Student – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Sierra coverage with certain companies.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • Driver’s Ed – Require your teen driver to complete a driver education course in school.

Consumers should know that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.

For a list of insurers who offer auto insurance discounts, click here.

Everyone needs different coverages

When buying coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • What is UM/UIM insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • What if I don’t agree with a claim settlement offer?
  • What are the best liability limits?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages available from auto insurance companies.

Auto liability insurance

This provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, repair costs for stationary objects, medical expenses, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Sierra 1500 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, hitting a parking meter, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a bird, rock chips in glass, damage from flooding and vandalism. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for nursing services, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover 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

A penny earned…

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

In this article, we covered many ways to lower your 1999 GMC Sierra 1500 insurance rates. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance coverage is with a small mutual company. These companies often have lower prices on specific markets as compared to the big name companies such as GEICO and State Farm.

Additional information

Frequently Asked Questions

What factors influence GMC Sierra 1500 insurance rates?

Several factors can impact the insurance rates for a 1999 GMC Sierra 1500. These factors may include the driver’s age, location, driving history, credit score, coverage options, deductibles, and the insurance company’s specific pricing algorithms.

Are there any discounts available to lower auto insurance rates?

Yes, there are discounts available that can help reduce auto insurance rates. Some discounts are automatically applied when you request a quote, while others may need to be specifically requested. Keep in mind that not all discounts may apply to the entire cost of the policy, and it’s essential to review the details of each discount with the insurance provider.

What coverages do I need for my GMC Sierra 1500?

The necessary coverages for your GMC Sierra 1500 can vary depending on your specific circumstances. It’s recommended to assess your needs and consider coverages such as liability insurance, collision coverage, uninsured/underinsured motorist coverage, comprehensive coverage, and medical payments/PIP coverage. Consulting with a licensed agent can help determine the most suitable coverages for your situation.

What is liability insurance?

Liability insurance provides protection against damage caused by an accident to another person or their property. It covers claims from other individuals and does not include damages to your own vehicle or property. Liability insurance typically includes three limits: bodily injury per person, bodily injury per accident, and property damage.

What is collision coverage?

Collision coverage pays for the repair costs of your GMC Sierra 1500 if it collides with another vehicle or object, excluding animals. After paying a deductible, the remaining damage will be covered by your insurance company. If your vehicle is older, you may consider dropping collision coverage or raising the deductible to reduce costs.

What is uninsured/underinsured motorist (UM/UIM) coverage?

UM/UIM coverage protects you and your vehicle when you are involved in an accident with a motorist who has insufficient or no liability coverage. This coverage helps pay for injuries to you, your passengers, and the damage to your vehicle. Since many drivers carry only the minimum required liability insurance, having high UM/UIM coverage is advisable to ensure adequate protection.

What is comprehensive coverage?

Comprehensive coverage pays for the repair costs of your vehicle for damages other than collision with another vehicle or object. This includes damages caused by events like natural disasters, vandalism, falling objects, or theft. Like collision coverage, comprehensive coverage requires paying a deductible before the insurance company covers the remaining damage.

What is medical payments and PIP coverage?

Medical payments coverage, also known as MedPay, and Personal Injury Protection (PIP) coverage help cover medical expenses resulting from an accident. These coverages can fill gaps in your health insurance policy or provide coverage if you don’t have health insurance. They can be used to pay for services such as nursing care, chiropractic care, doctor visits, and even pedestrian-related accidents.

How can I find the best insurance rates for my GMC Sierra 1500?

To find the best insurance rates for your GMC Sierra 1500, it’s advisable to compare quotes from multiple insurance companies. Enter your ZIP code on this page or use a free quote tool to access quotes from different insurers. By comparing rates, you increase your chances of finding the most affordable coverage options.

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