Cheaper 1990 GMC Sierra 3500 Insurance Cost

Want lower auto insurance rates for your GMC Sierra 3500? Trying to find low-cost insurance for a GMC Sierra 3500 can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find auto insurance online and you need to know the best way to compare rates for a GMC and get the cheapest rates from both online companies and local agents.

How to Compare Insurance Rates

Comparing insurance rates is a ton of work if you don’t understand the most efficient way. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Most major companies participate in an industry program that enables customers to submit their information once, and each company can provide price quotes. This eliminates the need for quote forms to each company.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to comparing rates this way is you cannot specify which insurance companies to receive prices from. So if you prefer to choose specific providers to compare prices, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing the exact same coverages on every quote you get. If you have different values for each quote you can’t possibly decipher which rate is best.

Are you falling for claims of savings?

Consumers constantly see and hear ads for car insurance savings from the likes of State Farm and Allstate. All the companies say the same thing of big savings after switching your coverage to them.

How does each company make almost identical claims?

Different companies have a certain “appetite” for the driver that makes them money. An example of a preferred risk could possibly be between the ages of 40 and 55, insures multiple vehicles, and has great credit. A driver who meets those qualifications receives the best rates and therefore will save when they switch companies.

Consumers who fall outside this ideal profile must pay a more expensive rate and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save that much. That is how companies can truthfully make the claims of big savings. This illustrates why it’s extremely important to get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest GMC Sierra 3500 insurance rates.

Why your GMC Sierra 3500 insurance rates may be high

Smart consumers have a good feel for the factors that help determine your insurance coverage rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in big savings.

  • Drive less and save money – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate compared to those used for work or business. Verify your insurance coverage declarations sheet is showing the correct usage for each vehicle, because it can save money. Incorrect usage on your Sierra 3500 may be costing you.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
  • Cautious drivers pay less – Your driving record impacts your car insurance rates tremendously. Even a single ticket can increase rates forty percent or more. Good drivers receive lower rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Car features impact rates – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • No coverage gaps is important – Driving with no insurance is illegal and insurance coverage companies will penalize you for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance might get you a license revocation or jail time.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your GMC Sierra 3500 has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.

Discounts are great for lower rates

Companies offering auto insurance don’t always publicize all their discounts very well, so we researched both the well known and the harder-to-find ways to save on auto insurance. If you don’t get every credit available, you are throwing money away.

  • College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Life Insurance Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Save over 55 – Older drivers may be able to get reduced rates on Sierra coverage.
  • E-sign – Certain companies give back up to $50 for buying a policy and signing up over the internet.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

A partial list of companies that may offer these money-saving discounts include:

Double check with each insurance company which discounts they offer. All car insurance discounts might not be offered in your state.

You may need specialized coverage

When it comes to buying the best car insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might point out if your situation will benefit from professional help.

  • Is my GMC Sierra 3500 covered if I use it for business?
  • Should I buy additional glass protection?
  • Is my teenager covered with friends in the car?
  • Does insurance cover damages from a DUI accident?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for expenses for things like dental work, doctor visits, nursing services, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance – This can cover damage that occurs to other’s property or people in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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 3500.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

Drivers leave their current company for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, lack of trust in their agent or policy cancellation. Regardless of your reason, switching companies is less work than it seems.

We just covered many ideas to lower your 1990 GMC Sierra 3500 insurance rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a small local company.

When trying to cut insurance costs, never buy poor coverage just to save money. There are many occasions where an accident victim reduced liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at the best price, not the least amount of coverage.

More tips and info about auto insurance can be found by following these links: