1991 GMC Sierra 3500 Insurance Rates
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UPDATED: Nov 23, 2017
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Searching for the cheapest insurance rates for your GMC Sierra 3500? Locating the cheapest insurance for a new or used GMC Sierra 3500 can be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to compare insurance rates so you’re going to learn the best way to price shop coverage on a GMC and locate the best price possible from both online companies and local agents.
Comprehensive Car Insurance Comparison
Effectively comparing car insurance prices can take hours if you don’t understand the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to achieve your goal.
Most major companies enroll in a system where prospective buyers submit one quote, and every company can provide price quotes based on the submitted data. This eliminates the need for quotation requests to each company.
To participate in this free quote system, click here (opens in new window).
The one downside to doing it this way is you don’t know exactly the insurers you want pricing from. If you would rather choose individual companies to request quotes from, we have assembled a list of companies who write car insurance in your area. Click to view list.
It’s your choice how you get your quotes, but ensure you’re using the exact same coverages on every quote. If you compare unequal deductibles or liability limits it will be impossible to determine the best price for your GMC Sierra 3500.
GMC Sierra 3500 insurance rates have many determining factors
It’s important that you understand some of the elements that play a part in calculating the price you pay for car insurance. Understanding what influences your rates enables informed choices that can help you get better car insurance rates.
- Save money with special equipment – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
- Cautious drivers pay less – Just one citation can increase rates forty percent or more. Good drivers receive lower rates than bad drivers. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
- Proper usage rating affects rates – The more miles you rack up on your GMC each year the more you will pay for car insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Improper usage on your Sierra 3500 can result in significantly higher rates. Verify your car insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
- Little extras can really add up – There are many extra bells and whistles that you can buy if you aren’t careful. Coverages for vanishing deductibles, towing coverage and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
- Never go without insurance – Not having insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance might get you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
- Men fork out a little more – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women are in accidents at a similar rate, but men cause more damage. Men also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high car insurance rates.
- Do you have enough liability coverage? – Liability coverage will protect you when a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
These discounts can slash insurance coverage rates
Companies don’t always list all available discounts in a way that’s easy to find, so we researched both well-publicized and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
- Own a Home – Being a homeowner may trigger a insurance coverage policy discount because owning a home is proof that your finances are in order.
- Sign Online – A handful of insurance companies may give you up to $50 just for signing your application digitally online.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
- Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
- Club Memberships – Affiliation with a qualifying organization could qualify you for a break when buying insurance coverage for Sierra insurance.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Sierra insurance than less cautious drivers.
Keep in mind that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.
To see a list of companies with discount insurance coverage rates, click here.
When might I need the advice of an agent?
When it comes to buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions might point out whether you might need an agent’s assistance.
- When would I need additional glass coverage?
- Are my friends covered when driving my 1991 GMC Sierra 3500?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Do I pay less for low miles?
- Why am I required to buy high-risk coverage?
- Do I need added coverage for expensive stereo equipment?
- Is rental equipment covered for theft or damage?
- What is the ISO rating for a 1991 GMC Sierra 3500?
- What discounts do I qualify for?
- Am I covered if my car is in a flood?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
Car insurance coverage options for a 1991 GMC Sierra 3500
Knowing the specifics of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
This will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: 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 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against claims like legal defense fees, court costs, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying higher limits if possible.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your GMC Sierra 3500.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from getting keyed and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for dental work, chiropractic care and hospital visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Cheaper insurance is a realistic goal
Consumers who switch companies do it for any number of reasons including not issuing a premium refund, policy non-renewal, questionable increases in premium or delays in responding to claim requests. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
Lower-priced 1991 GMC Sierra 3500 insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.
As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice collision coverage only to regret at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage at a price you can afford.
More tips and info about car insurance is located in the articles below:
- What is Gap Insurance? (Insurance Information Insitute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Car Insurance FAQ (Trusted Choice)
- What Does No-Fault Insurance Cover? (Allstate)
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