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1997 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: Nov 24, 2017

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Searching for better insurance rates for your GMC Sierra 3500? Having to pay for overpriced insurance can empty your checking account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.

Numerous insurers battle for your business, and because of this it can be hard to compare auto insurance companies to discover the definitive best price available.

You need to price shop coverage once or twice a year since rates tend to go up over time. Just because you had the best deal on Sierra insurance last year you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

If you are paying for car insurance now, you will be able to save some money using these methods. Choosing the best insurance company for you is not rocket science. Nevertheless, car owners must learn how the larger insurance companies market insurance on the web and apply this information to your search.

Comprehensive Car Insurance Comparison

Most companies give prices directly from their websites. Obtaining pricing is pretty painless as you simply enter the amount of coverage you want as requested by the quote form. Upon sending the form, the system obtains your driving and credit reports and provides a quote based on many factors. Online quotes streamlines rate comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it is imperative to get many rate quotes in order to get better car insurance pricing.

A less time-consuming method to compare rates requires only one form to return rates from more than one company. It saves time, reduces the work, and makes quoting online much more efficient. After your information is entered, it is quoted and you can select any of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to fill out one form to compare multiple rates now, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you complete the form with the insurance coverages as close as possible to your current policy. This way, you’re receiving a rate comparison for the exact same coverage.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t necessarily list every discount in a way that’s easy to find, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
  • No Charge for an Accident – Certain companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Sierra insurance than less cautious drivers.
  • Homeowners Pay Less – Owning a home can help you save on insurance coverage because owning a home requires personal responsibility.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% on Sierra insurance.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.

Keep in mind that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Savings might not apply everywhere.

Factors that might impact rates for a GMC Sierra 3500

It’s important that you understand the different types of things that go into determining your insurance rates. Understanding what determines base rates helps enable you to make changes that will entitle you to better insurance rates.

Listed below are some of the factors that factor into prices.

  • More claims means more premium – Companies provide lower rates to drivers who do not file claims often. If you are a frequent claim filer, you can look forward to higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Consolidate policies to earn discounts – The majority of insurance companies provide better rates to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other company rates to verify if the discount is saving money.
  • Extra add-on coverages are wasting money – There are quite a few additional coverages you can purchase on your insurance policy. Coverages for vanishing deductibles, better glass coverage and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so eliminate them to save money.
  • Clean credit earns discounts – Having a bad credit score is a large factor in your rate calculation. If your credit history is lower than you’d like, you could pay less to insure your 1997 GMC Sierra 3500 by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit.
  • Your occupation can affect rates – Did you know your job can affect your rates? Careers like lawyers, social workers and financial analysts tend to have higher average rates due to job stress and long work days. Conversely, jobs such as pilots, engineers and performers receive lower rates on Sierra insurance.

Do I need special coverages?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover if your insurance needs may require specific advice.

  • Do I need PIP coverage since I have good health insurance?
  • When should my teen driver be added to my policy?
  • Is my 1997 GMC Sierra 3500 covered for flood damage?
  • Why am I required to buy liability insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need replacement cost coverage on my 1997 GMC Sierra 3500?
  • Do I pay less for low miles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Save $492 a year. For real?

Allstate and Progressive consistently run television and radio advertisements. All the companies make the same claim about savings if you change to their company. But how can every company make the same claim?

All companies can use profiling for the right customer that makes them money. An example of a preferred risk might be profiled as a mature driver, a clean driving record, and chooses high deductibles. A customer who matches those parameters receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet the “perfect” profile will be quoted higher rates and ends up with business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently claim big savings. This emphasizes why you need to quote coverage with many companies. You cannot predict the company that will give you the biggest savings on GMC Sierra 3500 insurance.

Information about specific coverages

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, theft, hitting a bird, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

This protects you from injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people, and doesn’t 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. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as court costs, funeral expenses, repair bills for other people’s vehicles, medical services and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1997 GMC Sierra 3500.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision insurance

This pays for damage to your Sierra 3500 resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, hitting a mailbox, sustaining damage from a pot hole, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like pain medications, X-ray expenses, ambulance fees and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

At the end of the day…

We’ve covered many ideas to get a better price on 1997 GMC Sierra 3500 insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest rates come from a small mutual company. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

Affordable insurance can be purchased online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. A few companies do not provide online quoting and these regional insurance providers work with independent agents.

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