1991 GMC Sierra 1500 Insurance Rates – 6 Tips to Save

Searching for cheaper insurance coverage rates for your GMC Sierra 1500? I can’t think of anyone who enjoys paying for insurance coverage, especially knowing they are paying too much.

Drivers have so many insurers to insure vehicles with, and although it’s a good thing to have a selection, it can be more challenging to compare company pricing.

Consumers should take time to price shop coverage on a regular basis since insurance rates are constantly changing. Even if you got the lowest rates for Sierra insurance on your last policy there may be better deals available now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but with this article, you’re going to get the best ways to save money.

Finding affordable coverage is not that difficult. Essentially every vehicle owner who has to buy car insurance will more than likely be able to find lower rates. Nevertheless, consumers do need to understand the way insurance companies determine prices because it can help you find the best coverage.

Finding Insurance Coverage

Comparing insurance coverage rates is a ton of work if you don’t utilize the best way to get rate quotes. You can waste hours driving to local insurance agents in your area, or you can stay home and use the web to get the quickest rates.

Most of the best insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and at least one company then gives them pricing based on that information. This saves time by eliminating form submissions for every insurance coverage company.

To compare pricing click here to start a free quote.

One minor caviat to using this type of form is that you can’t choose the companies you want to price. If you wish to select specific insurance companies to compare prices, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever method you choose, compare the exact same coverage information for every company. If you are comparing different values for each quote then you won’t be able to make an equal comparison. Having just a slight variation in coverage limits can result in a big premium difference. It’s important to know that getting more free quotes gives you a better chance of getting the best rates.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining if your situation would benefit from professional advice.

• Can I rate high risk drivers on liability-only vehicles?
• Do I need roadside assistance coverage?
• What exactly is covered by my policy?
• Is business property covered if stolen from my car?
• Can my teen drive my company car?
• Am I covered when pulling a rental trailer?
• Can I afford low physical damage deductibles?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance policy coverages for a GMC Sierra 1500

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.

Liability car insurance

Liability coverage provides protection from damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like repair costs for stationary objects, loss of income and medical services. How much coverage you buy is your choice, but you should buy as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your GMC Sierra 1500.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for funeral costs, EMT expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.