Cheaper 2006 GMC Sierra 3500 Insurance Quotes

Searching for the most affordable insurance online is intimidating for consumers not familiar with shopping for insurance online. With so many online companies available, how can you effectively compare every company to locate the best price?

Consumers need to price shop coverage at least once a year due to the fact that insurance rates tend to go up over time. Just because you had the lowest price for Sierra coverage six months ago you can probably find a lower rate today. Starting now, block out anything you think you know about insurance because we’re going to show you how to quote online to remove unneeded coverages and save money.

If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Locating the cheapest protection is simple if you know the tricks. Although car owners do need to know how the larger insurance companies price insurance differently and use this information to your advantage.

How to Compare Auto Insurance Rates

Shopping for lower auto insurance rates is a ton of work if you don’t know the most efficient way to do it. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use the web to maximize your effort.

Many insurance companies participate in an industry program where prospective buyers submit their information once, and at least one company then returns a price quote determined by their information. This saves time by eliminating form submissions for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The one downside to getting quotes like this is that consumers can’t choose which providers to receive prices from. If you prefer to choose specific insurance companies to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here to view list.

However you get your quotes, double check that you are using exactly the same quote information for every quote you compare. If you are comparing different values for each quote it’s impossible to truly determine the lowest rate. Slightly different limits can make a big difference in price. Just remember that quoting more helps you find a better price.

How to reduce GMC Sierra 3500 insurance rates

Companies don’t always list every discount very clearly, so here is a list some of the best known and the harder-to-find ways to save on insurance.

  • Student in College – Youth drivers who live away from home and don’t have a car can receive lower rates.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Discount for Life Insurance – Larger companies have a break if you buy auto and life insurance together.

It’s important to note that some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

Companies that possibly offer these money-saving discounts are:

Check with all companies you are considering which discounts they offer. Savings might not be offered everywhere.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if you will benefit from professional help.

  • Do I need PIP coverage since I have good health insurance?
  • Do I have newly-aquired coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when delivering products for my home-based business?
  • When would I need additional glass coverage?
  • What is roadside assistance coverage?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Why your GMC Sierra 3500 might be costing you more

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes have accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets like reckless driving and DUI. Young males are the most expensive to insure and are penalized with high auto insurance rates.
  • Save money with special equipment – Driving a car with an alarm system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, business owners and dentists have the highest average rates in part from job stress and long work hours. Other occupations like actors, historians and homemakers get better rates for Sierra coverage.
  • Traffic citations inflate rates – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one moving violation may increase your cost twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • How credit affects auto insurance rates – Having a bad credit score is a large factor in determining what you pay for auto insurance. So if your credit score is lower than you’d like, you could be paying less to insure your 2006 GMC Sierra 3500 by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit.
  • Frequent auto insurance claims increase rates – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies generally give discounts to drivers who file claims infrequently. Auto insurance is intended for the large, substantial claims.

Switch companies and save? Really?

Insurance coverage providers like GEICO, State Farm and Progressive consistently run ads on television and other media. They all make the same claim that you’ll save big if you change your policy. How can each company make the same claim?

Different companies are able to cherry pick for the type of customer that makes them money. For instance, a preferred risk might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any driver that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Potential insureds who do not match the “perfect” profile will have to pay higher rates and this can result in the customer not buying. The ads state “drivers who switch” not “people who quote” save that much money. That’s why companies can advertise the savings. Because of the profiling, you absolutely need to get as many comparisons as possible. Because you never know which insurance coverage company will provide you with the cheapest GMC Sierra 3500 insurance rates.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra 3500.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like medical expenses, legal defense fees, structural damage, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from flooding, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills for things like chiropractic care, doctor visits, ambulance fees, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Pennies from heaven

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to regret that they should have had better coverage. The aim is to buy a smart amount of coverage for the lowest price.

We covered a lot of techniques to reduce 2006 GMC Sierra 3500 insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with a small mutual company.

People change insurance companies for a variety of reasons including questionable increases in premium, denial of a claim, high rates after DUI convictions or not issuing a premium refund. Whatever your reason, finding a great new company is actually quite simple.

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