View 1997 GMC Sierra 1500 Car Insurance Cost

Want better insurance coverage rates for your GMC Sierra 1500? Trying to find better insurance prices for your GMC Sierra 1500 could be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find insurance coverage online and you need to know the proper way to get price quotes for a new or used GMC and find the best price possible either online or from local insurance agents.

It’s important to compare prices periodically because prices are constantly changing. Even if you think you had the best deal on Sierra insurance a few years ago you can probably find a lower rate today. So just forget anything you know (or think you know) about insurance coverage because I’m going to teach you how to use the internet to remove unneeded coverages and save money.

If you have a current car insurance policy or are looking for a new policy, you can use these tips to get lower rates and still get good coverage. Finding the lowest cost car insurance coverage can be fairly easy. Drivers just need to understand the most efficient way to get comparison quotes online.

Best discounts on 1997 GMC Sierra 1500 coverage

Car insurance companies don’t always list every discount in a way that’s easy to find, so the following is a list of some of the best known as well as the least known insurance coverage savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Accident Waiver – A handful of insurance companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Own a Home – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current policy expires. It can save you around 10%.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for better insurance coverage rates on Sierra insurance.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies who might offer some of the above discounts include:

Before buying, ask each company which discounts they offer. Savings might not be offered in every state.

How to Get Cheap Car Insurance

Effectively comparing car insurance prices can take hours if you don’t utilize the most efficient way. You can spend your afternoon driving to insurance agencies in your area, or you could use the internet to maximize your effort.

Most major companies take part in a program that enables customers to enter their coverage request one time, and every company then returns a price quote based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To get comparison pricing now click here to open in new window.

The one downside to using this type of form is you don’t know exactly which providers you want to price. So if you prefer to choose specific providers to compare, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use apples-to-apples deductibles and coverage limits with each company. If you have differing limits then you won’t be able to make an equal comparison.

Lesser-known factors impacting GMC Sierra 1500 insurance rates

It’s important that you understand the factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

  • High credit ratings translate to low rates – Having a bad credit history is a large factor in your rate calculation. So if your credit rating is not that good, you could pay less to insure your 1997 GMC Sierra 1500 by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Multiple policies with one company can save – Most companies will award you with lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying auto insurance from a different company.
  • Where you live is a factor – Being located in less populated areas has it’s advantages when insuring your vehicles. Lower population means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have congested traffic and much longer commute distances. Higher commute times can result in more accidents.
  • Bump up deductibles to save – Deductibles for physical damage define the amount you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the lower your rates will be on Sierra insurance.
  • Where do you drive? – The more you drive every year the higher your rates will be. Most companies price each vehicle’s coverage determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates compared to those used for work or business. Improper usage on your Sierra 1500 can cost quite a bit. Double check that your auto insurance policy is showing the correct driver usage.
  • Men pay higher rates – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. They both cause accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • Older drivers save more – Youthful drivers are statistically proven to get distracted easily when driving so they pay higher auto insurance rates. Parents adding a teenage driver onto a policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Should I have a commercial auto policy?
  • Is my ex-spouse still covered by my policy?
  • Does insurance cover damages from a DUI accident?
  • Is my teenager covered with friends in the car?
  • Does having multiple vehicles earn me a discount?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Save $439 a year? Really?

Consumers can’t get away from ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all have a common claim that you can save after switching your policy.

But how can every company make almost identical claims?

All companies can use profiling for the driver they prefer to insure. For instance, a profitable customer might be profiled as over the age of 40, is a homeowner, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don’t measure up to these standards must pay higher rates and this can result in business not being written. The ad wording is “customers who switch” not “people who quote” save that much money. That is how companies can truthfully state the savings. This illustrates why you should compare many company’s rates. It is impossible to predict which auto insurance company will have the lowest GMC Sierra 1500 insurance rates.

Coverages available on your policy

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Liability coverage – This coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical services, attorney fees, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, a broken windshield, damage from a tornado or hurricane and hitting a deer. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for X-ray expenses, ambulance fees and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – This coverage pays for damage to your Sierra 1500 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 1997 GMC Sierra 1500.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

In conclusion

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price.

Consumers change insurance companies for any number of reasons including high prices, an unsatisfactory settlement offer, policy non-renewal and even high rates after DUI convictions. It doesn’t matter why you want to switch finding a new company is actually quite simple.

Budget-conscious 1997 GMC Sierra 1500 insurance is definitely available both online as well as from independent agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

For more information, link through to the articles below: