1994 GMC Sonoma Insurance Quotes – 7 Ways to Save

Searching for cheaper auto insurance rates for your GMC Sonoma? No one in their right mind enjoys paying for auto insurance, particularly when the price is too high. Drivers have multiple car insurance companies to insure vehicles with, and though it is a good thing to have a selection, it can be more difficult to locate the cheapest rates.

Consumers need to price shop coverage at least once a year due to the fact that insurance rates go up and down regularly. Despite the fact that you may have had the best deal on Sonoma coverage two years ago there may be better deals available now. You can find a lot of wrong information about auto insurance online but by reading this article, you’re going to learn the easiest ways to save money.

Insurance Comparisons

Getting a cheaper price on 1994 GMC Sonoma insurance is not a difficult process. Drivers just need to spend a little time getting comparison quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  • One of the simplest ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quote forms to each individual insurance company. One form gets you coverage quotes from many national carriers.
  • A more difficult way to get quotes online is to manually visit the website for each individual company to request a price quote. For example, we’ll pretend you want rates from USAA, Progressive and Liberty Mutual. You would have to go to every website to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.
  • The least efficient method of comparing rate quotes is driving around to different agent offices. The internet eliminates the need for an insurance agent unless you want the professional advice of a licensed agent. It is possible to comparison shop your insurance online but buy from a local insurance agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but make sure you use the exact same coverage information with every price quote. If your comparisons have higher or lower deductibles you can’t possibly find the best deal for your GMC Sonoma.

Discounts are great for lower rates

Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Most are applied when you complete an application, but a few need to be specially asked for prior to getting the savings. If you don’t get every credit possible, you are paying more than you should be.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Low Mileage – Fewer annual miles on your GMC can qualify you for lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.

Consumers should know that many deductions do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous. Any amount of discount will reduce your overall premium however.

Car insurance companies that possibly offer some of the above discounts are:

Before buying, ask all companies you are considering which discounts they offer. Discounts might not be offered everywhere.

You may need specialized coverage

When it comes to choosing the best insurance coverage coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine whether your personal situation will benefit from professional help.

  • Do I need an umbrella policy?
  • Do I need roadside assistance coverage?
  • Should I put collision coverage on all my vehicles?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Does liability extend to a camper or trailer?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, fire damage, a broken windshield and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – This can cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover 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 commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, medical services, funeral expenses, medical expenses and pain and suffering. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your GMC Sonoma.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for ambulance fees, hospital visits, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays for damage to your Sonoma caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.