Cheapest 2003 GMC Sierra 1500 Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Consumers have many options when looking for the lowest priced GMC Sierra 1500 insurance. They can either waste time driving around to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to compare car insurance rates so you’re going to learn the absolute fastest way to quote coverages on a GMC and obtain the best price possible from both online companies and local agents.
Free Quotes for Insurance
Reducing your 2003 GMC Sierra 1500 insurance rates can be quick and easy. All you need to do is spend a few minutes on the computer to get quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.
- The most efficient way to get quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating repetitive form entry for each company. One form will return quotes from multiple low-cost companies. Just one form and you’re done.
- A harder way to compare rate quotes requires visiting the website for each individual company to request a price quote. For instance, we’ll assume you want comparison quotes from GEICO, Progressive and GMAC. You would have to go to every website and enter your policy data, which is why the first method is more popular.
- The most time-consuming method of getting rate comparisons is driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you want the personal advice that only a license agent can provide. Drivers can comparison shop online and still use a local agent and we’ll talk about that later.
It’s up to you which method you use, but make absolute certain that you use the exact same information with each company. If you use different liability limits you can’t possibly make an equal comparison.
Lots of discounts mean lots of savings
Companies offering auto insurance don’t always advertise all their discounts very clearly, so we took the time to find both well-publicized as well as the least known ways to save on insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Accident Forgiveness – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
- Multiple Cars – Buying insurance for all your vehicles with the same company qualifies for this discount.
- Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
- Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
- Homeowners Discount – Being a homeowner may trigger a insurance policy discount because owning a home requires personal responsibility.
- College Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
It’s important to understand that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.
Situations that might require an agent
When it comes to choosing adequate coverage, there really is no best way to insure your cars. Each situation is unique.
For instance, these questions could help you determine whether you would benefit from professional advice.
- Does my insurance cover a custom paint job?
- Is motorclub coverage worth it?
- Are my friends covered when driving my 2003 GMC Sierra 1500?
- Do I need replacement cost coverage on my 2003 GMC Sierra 1500?
- How do I file an SR-22 for a DUI in my state?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is upholstery damage covered by car insurance?
- Am I getting all the discounts available?
- Can I drive in Mexico and have coverage?
- Should I sign the liability waiver when renting a car?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Are you falling for claims of savings?
Drivers constantly see and hear ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all make an identical promise that you can save if you move your policy.
How can each company say the same thing? This is how they do it.
All the different companies can use profiling for the driver they prefer to insure. An example of a preferred risk might be over the age of 50, has no driving citations, and has a short commute. A driver who meets those qualifications will get very good rates and is almost guaranteed to save when switching.
Drivers who don’t meet these standards will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently make those claims. That is why drivers must get as many comparisons as possible. It’s impossible to know which insurance companies will have the lowest GMC Sierra 1500 insurance rates.
Learn about car insurance coverages for a 2003 GMC Sierra 1500
Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
This coverage will pay to fix damage to your Sierra 1500 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as sideswiping another vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Comprehensive or Other Than Collision
This coverage 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 protects against claims such as falling objects, a broken windshield, damage from getting keyed and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, prosthetic devices, doctor visits, ambulance fees and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible
Auto liability insurance
Liability coverage can cover damage that occurs to a person or their property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things like medical expenses, bail bonds, court costs, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.
Smart shoppers get results
Cheap 2003 GMC Sierra 1500 insurance can be found online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and these smaller companies work with independent agents.
People change insurance companies for a variety of reasons including extreme rates for teen drivers, not issuing a premium refund, delays in paying claims and policy cancellation. It doesn’t matter what your reason, finding a new company is easier than you think.
As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where someone dropped collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to buy enough coverage for the lowest price.
Even more information can be read in the articles below:
- Event Data Recorders FAQ (iihs.org)
- Teen Driving Statistics (iihs.org)
- Understanding Car Crashes Video (iihs.org)
- Think You’re a Safe Driver? (State Farm)
- Medical Payments Coverage (Liberty Mutual)
- What is Covered by GAP Insurance? (Allstate)
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