Cheaper 1997 GMC Sierra 1500 Car Insurance Rates
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UPDATED: Aug 24, 2022
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Looking for cheaper insurance rates for your GMC Sierra 1500? No one in their right mind likes having to buy insurance, especially knowing the price is too high. Many insurers compete for your insurance dollar, and because of this it can be hard to compare insurers to find the absolute best price available.
Get lower rates on GMC Sierra 1500 insurance
The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Sierra coverage depending on your company.
- Own a Home – Owning a house may trigger a car insurance policy discount because owning a home demonstrates responsibility.
- Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
- Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.
Companies that possibly offer these benefits may include but are not limited to:
Before buying, ask each company which discounts they offer. Discounts may not be available in every state.
How to Compare Auto Insurance Rates
Most companies like GEICO, State Farm and Progressive give coverage prices directly from their websites. This process is pretty painless as you simply enter the amount of coverage you want as requested by the quote form. When complete, their rating system pulls information on your driving record and credit history and returns pricing information. Being able to quote online streamlines rate comparisons, but the process of having to visit a lot of sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible in order to get lower prices.
The easy way to compare rates
The quickest way to lower your auto insurance bill uses one form that analyzes rates from many companies. It saves time, reduces the work, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, it is quoted and you are able to buy any one of the price quotes you receive.
If the quotes result in lower rates, you simply finish the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.
To save time and compare pricing, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you duplicate your coverages identical to your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison based on the exact same insurance coverage.
Tailor your coverage to you
When buying the right insurance coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.
- What is UM/UIM insurance?
- What is the rate difference between pleasure use and commuting?
- Do I need motorclub coverage?
- Do I need added coverage for expensive stereo equipment?
- Is my vehicle covered by my employer’s policy when using it for work?
- At what point should I drop full coverage?
- Should I sign the liability waiver when renting a car?
- Does my policy cover me when driving someone else’s vehicle?
- Is there coverage for injuries to my pets?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Insurance policy specifics
Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.
Comprehensive or Other Than Collision
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, vandalism, theft and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Collision coverage pays for damage to your Sierra 1500 from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as crashing into a building, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.
This coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, 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 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as funeral expenses, structural damage, medical services, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1997 GMC Sierra 1500.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as chiropractic care, dental work and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible
A penny earned…
You just read many tips how you can lower your 1997 GMC Sierra 1500 insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. They may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.
Cheaper insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.
As you prepare to switch companies, do not skimp on coverage in order to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
To read more, feel free to browse these articles:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- What is Gap Insurance? (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Shopping for a Safe Car (Insurance Information Insitute)
- Rollover Crash FAQ (iihs.org)
- What to do at the Scene of an Accident (Insurance Information Insitute)
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