2000 GMC Sierra 1500 Insurance Cost – 6 Tricks for Best Prices
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UPDATED: May 12, 2022
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Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us, many consumers feel financially strained by their auto insurance policy.
You have so many car insurance companies to pick from, and although it’s nice to be able to choose, it makes it harder to find the best rates for your vehicles.
The fastest way that we advise to compare rates takes advantage of the fact most insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is spend a couple of minutes providing details such as if you are currently licensed, if it has an anti-theft system, how many miles driven, and level of coverage desired. The data is instantly submitted to multiple different insurance companies and you will get price comparisons instantly.
To start a rate quote now, click here then complete the form.
Verify you’re getting all your discounts
Car insurance companies don’t always advertise all available discounts in an easy-to-find place, so here is a list some of the more common and the more hidden car insurance savings.
- Distant Student – Children living away from home attending college without a vehicle on campus may qualify for this discount.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
- Organization Discounts – Being a member of a professional or civic organization may earn a discount on your policy on Sierra coverage.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.
- Military Discounts – Being on active duty in the military could mean lower rates.
- Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
Keep in mind that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.
To see a list of companies with the best car insurance discounts, click here.
When should I talk to an agent?
When it comes to choosing adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation might need professional guidance.
- Is my ex-spouse still covered by my policy?
- If my pet gets injured in an accident are they covered?
- Will I be non-renewed for getting a DUI or other conviction?
- What is roadside assistance coverage?
- Are all vehicle passengers covered by medical payments coverage?
- Am I covered if I hit my neighbor’s mailbox?
- What is the minimum liability in my state?
If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.
Do drivers who switch really save?
Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads have a common claim that you’ll save big if you move to their company. How does each company claim to save you money? It’s all in the numbers.
Insurance companies have a preferred profile for the driver that earns them a profit. For instance, a desirable insured might be between 25 and 40, has no driving citations, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when switching.
Consumers who don’t measure up to the “perfect” profile will be charged higher rates and this can result in business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make the claims of big savings. That is why you need to compare many company’s rates. It’s impossible to know which insurance coverage company will provide you with the cheapest GMC Sierra 1500 insurance rates.
The coverage is in the details
Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.
Auto collision coverage
Collision coverage covers damage to your Sierra 1500 caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as rolling your car, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your GMC Sierra 1500.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as falling objects, a broken windshield, hail damage and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage pay for bills like EMT expenses, prosthetic devices, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Liability auto insurance
Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t 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. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability insurance covers things like funeral expenses, attorney fees, medical expenses, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.
Smart shoppers get results
While you’re price shopping online, do not reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
The cheapest 2000 GMC Sierra 1500 insurance can be found both online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
For more information, feel free to visit the following helpful articles:
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- What is Covered by GAP Insurance? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- Medical Payments Coverage (Liberty Mutual)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Event Data Recorders FAQ (iihs.org)
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