Compare 2001 GMC Sierra 3500 Insurance Quotes

Looking for the cheapest car insurance rates for your GMC Sierra 3500? Finding the cheapest insurance for a GMC Sierra 3500 can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find car insurance online and we’ll show you the proper way to price shop coverage on a GMC and obtain the lowest price.

GMC Sierra 3500 insurance premiums are calculated by many factors

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • How many coverages with the same company – Most companies provide better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to compare other company rates to ensure the best deal. You may still be able to find a better deal by buying car insurance from a different company.
  • A clean driving record saves money – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one citation may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Small claims can cost you – If you file claims often, you can expect either policy cancellation or increased premiums. Companies provide discounts to policyholders who do not file claims often. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Theft deterrents lower rates – Owning a car with a theft deterrent system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Higher deductibles cost less – Deductibles for physical damage define the amount you are required to spend if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, or theft. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Sierra insurance.
  • Little extras can really add up – There are quite a few add-on coverages that can waste your money when buying car insurance. Things like vanishing deductibles, accident forgiveness and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them from your policy.
  • Are you male or female? – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both sexes cause accidents at a similar rate, but the males tend to have more serious accidents. They also have more aggressive citations such as DWI and reckless driving.

Save on 2001 GMC Sierra 3500 insurance

Companies do not advertise every discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Early Switch Discount – Some companies give discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Sierra insurance with certain companies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.

Keep in mind that most credits do not apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurers with discount insurance coverage rates, click here to view.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • When can my company non-renew my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I get collision insurance on every vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • What if I owe more than I can insure my car for?
  • How high should deductibles be on a 2001 GMC Sierra 3500?
  • Am I covered when driving in Canada or Mexico?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your GMC Sierra 3500.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

This coverage covers damage to your Sierra 3500 resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, damage from flooding, a broken windshield, falling objects and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

This protects you from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people’s vehicles, medical services, structural damage and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as chiropractic care, ambulance fees, dental work, surgery and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Best coverage at the best price

The cheapest 2001 GMC Sierra 3500 insurance can be purchased from both online companies and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies may not provide online quoting and these small insurance companies work with independent agents.

In this article, we covered many ways to compare insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from an unexpected company.

Insureds leave their current company for a number of reasons such as poor customer service, unfair underwriting practices, delays in responding to claim requests or denial of a claim. Regardless of your reason for switching companies, finding a new car insurance company can be easy and end up saving you some money.

More detailed car insurance information is located at these sites: