1. Vehicles
  2. GMC
  3. Sonoma
  4. 1991 Model Year

1991 GMC Sonoma Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 5, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find lower insurance coverage rates? Buyers have lots of choices when searching for the lowest priced GMC Sonoma insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to compare rates.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the best way to compare rates on a GMC and locate the lowest price.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but lesser-known reductions have to be manually applied before they will apply. If you aren’t receiving every discount possible, you are paying more than you should be.

  • 55 and Retired – If you’re over the age of 55, you may qualify for better auto insurance rates for Sonoma coverage.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on your policy for Sonoma coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut your overall premium however.

To see a list of companies offering auto insurance discounts, click this link.

Where Can I Get Cheap Auto Insurance?

Getting a cheaper price on 1991 GMC Sonoma insurance can be relatively painless. The only thing you need to do is take time comparing rates online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  1. Probably the best way to find low rates is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for boring form submissions for each company you want a rate for. Filling out one form gets you coverage quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A more difficult way to shop for auto insurance online consists of going to each individual company website to complete their respective quote request forms. For example’s sake, let’s say you want comparison quotes from USAA, Liberty Mutual and State Farm. To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

However you get your quotes, be sure to compare apples-to-apples coverage information on every quote. If you compare different deductibles you can’t possibly determine the lowest rate for your GMC Sonoma.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

For example, these questions may help highlight if your insurance needs might need professional guidance.

  • Does coverage extend to my business vehicle?
  • Do I benefit by insuring my home with the same company?
  • What happens if I owe more than my 1991 GMC Sonoma is worth?
  • Why is insurance for a teen driver so high?
  • How does medical payments coverage work?
  • Do I need replacement cost coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Auto insurance coverage options for a 1991 GMC Sonoma

Learning about specific coverages of your auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision – This pays to fix your vehicle from damage resulting from a collision 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 backing into a parked car, rolling your car and sustaining damage from a pot hole. 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 protection – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Sonoma.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Liability coverage – This can cover damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. It does not 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. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, medical expenses, repair bills for other people’s vehicles, medical services and emergency aid. How much coverage you buy is up to you, but buy as much as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like nursing services, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Do the work, save more money

Cost effective 1991 GMC Sonoma insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Consumers who switch companies do it for a variety of reasons including policy non-renewal, lack of trust in their agent, high rates after DUI convictions and extreme rates for teen drivers. Regardless of your reason, switching insurance companies is actually quite simple.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage and learned later they didn’t have enough coverage. Your strategy should be to buy enough coverage at a price you can afford.

More information is located below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles