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2002 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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Trying to find lower insurance coverage rates for your GMC Sierra 3500? Have you fallen victim to high-priced insurance coverage? Trust us when we tell you you’re not the only one. Insurance companies such as GEICO and Progressive constantly bombard you with ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

It’s smart to get comparison quotes on a regular basis due to the fact that insurance rates trend upward over time. Just because you found the lowest price on Sierra coverage a couple years back the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage on the web, but with this article, you’re going to get some solid techniques on how to stop overpaying for insurance.

Get lower rates on 2002 GMC Sierra 3500 insurance

Companies that sell car insurance don’t always advertise every discount very well, so here is a list some of the best known as well as the least known insurance coverage savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy qualifies for this discount.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Sierra coverage than drivers with accidents.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies that may have these benefits are:

Double check with each company how you can save money. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help you determine if your situation might need an agent’s assistance.

  • What is an SR-22 filing?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage if my license is suspended?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Does my car insurance cover rental cars?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Don’t believe everything you hear

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm and Allstate. They all seem to say the same thing of big savings if you switch to their company.

But how can every company make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that makes them money. For instance, a desirable insured could possibly be over the age of 50, insures multiple vehicles, and chooses high deductibles. Any driver who meets those qualifications receives the best rates and most likely will save a lot of money.

Drivers who do not match this ideal profile must pay higher rates and ends up with business going elsewhere. The ads state “drivers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently advertise the way they do. This illustrates why you should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will provide you with the cheapest GMC Sierra 3500 insurance rates.

Information about specific coverages

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle, rock chips in glass, falling objects and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision insurance pays for damage to your Sierra 3500 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, crashing into a building, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage can cover damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims, 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. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage pays for claims like medical services, emergency aid, medical expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2002 GMC Sierra 3500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like EMT expenses, hospital visits, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

One last thing

You just read some good ideas how to save on 2002 GMC Sierra 3500 insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the best price on insurance is with some of the smallest insurance companies. They may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

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