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  4. 1995 Model Year

1995 GMC Sierra 3500 Insurance Rates

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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 ...

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UPDATED: Jun 12, 2015

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Searching for low-cost insurance for a GMC Sierra 3500 could be an all-consuming task, but you can learn our car insurance buying tips and make it easy. There are both good and bad ways to find car insurance online so we’re going to tell you the absolute fastest way to compare rates for your GMC and get the lowest price either online or from local insurance agents.

Consumers should take time to get comparison quotes before your policy renews since rates are rarely the same from one policy term to another. Even if you think you had the best price on Sierra insurance six months ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use the internet to lower your rates without sacrificing coverage.

The method we recommend to get rate comparisons is to know the trick car insurance companies allow for online access to provide you with a free rate quote. The one thing you need to do is provide a little information like the year, make and model of vehicles, how much education you have, level of coverage desired, and if the car is leased. That rating information is automatically sent to multiple insurance providers and you should receive rate quotes within a short period of time.

Which insurance is the “right” coverage?

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Will my rates increase for filing one claim?
  • Am I getting all the discounts available?
  • Is a fancy paint job covered?
  • Are my tools covered if they get stolen from my vehicle?
  • Is rental equipment covered for theft or damage?
  • Does my personal policy cover me when driving out-of-state?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Car insurance specifics

Understanding the coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like nursing services, ambulance fees, prosthetic devices, funeral costs and chiropractic care. 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 both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, falling objects, hail damage and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

This coverage will pay to fix damage to your Sierra 3500 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car, colliding with a tree, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1995 GMC Sierra 3500.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

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