Cheapest 1996 GMC Sierra 3500 Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Trying to find cheaper insurance coverage rates for your GMC Sierra 3500? Searching for cheaper insurance for a GMC Sierra 3500 can normally be an all-consuming task, but you can follow our insurance coverage buying tips to save time. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the proper way to quote coverages for your GMC and get the lowest possible price.
You should take the time to price shop coverage quite often since insurance rates fluctuate regularly. Even if you got the best price for Sierra insurance a couple years back you may be paying too much now. So forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the things you must know in order to save on insurance coverage.
If you have insurance now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Shopping for cheaper protection is simple if you know the tricks. Consumers just need to understand the most efficient way to compare price quotes over the internet.
Effectively comparing insurance prices is a ton of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the internet for quick rates.
Many companies participate in a marketplace where insurance shoppers send in one quote, and each participating company then returns a price quote for coverage. This system prevents you from having to do quotation requests for each company you want a rate for.
To find out how much you’re overpaying now click here to start a free quote.
The one disadvantage to using this type of form is that consumers can’t choose which insurance companies you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have a page of the cheapest insurance companies in your area. View list of insurance companies.
Which method you use is up to you, but be sure to compare exactly the same coverages for every company. If your comparisons have different liability limits you can’t possibly determine the lowest rate for your GMC Sierra 3500.
Factors influencing GMC Sierra 3500 insurance rates
Smart consumers have a good feel for the different types of things that come into play when calculating insurance coverage rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with better insurance coverage rates.
- Liability coverage is peace of mind – Liability coverage will protect you when a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
- Do you need the policy add-ons? – There are many extra bells and whistles you can purchase when buying insurance coverage. Insurance for vanishing deductibles, better glass coverage and term life insurance may be costing you every month. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
- A lapse in coverage is a bad thing – Allowing your insurance coverage policy to lapse will be a guaranteed way to increase your insurance coverage rates. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.
- More than one policy can earn a discount – Many insurance companies will award you with lower prices to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, you still need to compare rates to ensure the best deal. You may still find a better deal by buying insurance from more than one company.
- Low deductibles can be expensive – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your GMC. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The higher the amount you’re willing to pay, the bigger discount you will receive for Sierra insurance.
- Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
- You might want pay the small claims yourself – If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies award better rates to drivers who are claim-free. Your insurance policy is intended for the large, substantial claims.
Verify you’re getting all your discounts
Companies offering auto insurance do not list every discount in an easy-to-find place, so we researched both well-publicized as well as the least known ways to save on car insurance. If they aren’t giving you every credit possible, you are throwing money away.
- Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
- Own a Home – Owning a house can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
- Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
- College Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
- Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- One Accident Forgiven – A few companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a certain period of time.
- E-sign – Certain companies may give you up to $50 simply for signing digitally online.
- Save over 55 – Mature drivers may receive a small decrease in premiums for Sierra insurance.
- Defensive Driver – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
Keep in mind that most credits do not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.
Companies that may have these benefits are:
Before buying, ask each company which discounts they offer. All car insurance discounts might not be offered in every state.
When should I talk to an agent?
When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.
These are some specific questions may help highlight whether you might need professional guidance.
- When should I drop full coverage on my 1996 GMC Sierra 3500?
- When should I buy a commercial auto policy?
- Are all vehicle passengers covered by medical payments coverage?
- Does my personal policy cover me when driving out-of-state?
- What is covered by UM/UIM coverage?
- Do I benefit by insuring my home with the same company?
- Can I rate high risk drivers on liability-only vehicles?
If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.
Detailed coverages of your insurance policy
Knowing the specifics of your insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.
Coverage for collisions
Collision insurance pays for damage to your Sierra 3500 resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like colliding with another moving vehicle, rolling your car, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like damage from flooding, damage from getting keyed and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for funeral costs, ambulance fees and doctor visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your GMC Sierra 3500.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Liability auto insurance
This coverage can cover damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover 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. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.
Liability can pay for things like funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
In this article, we presented many ways to reduce 1996 GMC Sierra 3500 insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising.
When buying insurance coverage, you should never buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford.
Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, high prices, policy non-renewal and even delays in paying claims. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.
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