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2004 GMC Sonoma 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: Mar 5, 2020

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Overwhelmed by the number of insurance coverage options? Many other consumers are too. You have so many choices that it can be a real hassle to find the perfect company for you.

It’s smart to check insurance coverage prices at least once a year since insurance rates change frequently. If you had the best price on Sonoma coverage six months ago you can probably find a better price now. There is a lot of bad advice regarding insurance coverage online but I’m going to show you some solid techniques on how to buy insurance coverage cheaper.

The method we recommend to compare rate quotes is to realize all the major auto insurance companies allow for online access to give free rates quotes. The only thing you need to do is provide a little information including if you are currently licensed, if it has an anti-theft system, how you use your vehicles, and if you’re married. The data is then submitted to multiple different insurance companies and they return rate quotes within a short period of time.

Elements that influence GMC Sonoma insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating your auto insurance rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

  • Higher deductibles cost less – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your GMC from damage. Examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The deductibles are the amount of money you are required to spend in the event of a claim. The more you’re willing to pay, the less your company will charge you for insurance on Sonoma coverage.
  • Do you know you’re credit rating? – Having a bad credit score is a huge factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit. So if your credit history is low, you could save money insuring your 2004 GMC Sonoma by improving your credit score.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your GMC earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Multiple policies with one company can save – Some insurers provide better rates to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money. Drivers may still find a better deal by buying auto insurance from a different company.

Companies offer discounts so take them!

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but some may not be applied and must be manually applied before they will apply.

  • Clubs and Organizations – Participating in a qualifying organization could trigger savings when buying insurance coverage on Sonoma coverage.
  • Bundle and Save – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Senior Discount – Older drivers may receive reduced rates on Sonoma coverage.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% on Sonoma coverage depending on your company.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce your premiums.

To see a list of insurers who offer insurance coverage discounts, click here.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions could help you determine if your situation will benefit from professional help.

  • Do I need motorclub coverage?
  • Is my ex-spouse still covered by my policy?
  • Can I afford low physical damage deductibles?
  • Can I still get insurance after a DUI?
  • Can I afford to buy a different vehicle if my 2004 GMC Sonoma is totaled?
  • Should I have a commercial auto policy?
  • Am I covered when driving on a suspended license?
  • Can my babysitter drive my car?
  • Are split liability limits better than a combined single limit?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

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Insurance policy coverages for a GMC Sonoma

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, vandalism, hitting a bird, a broken windshield and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance covers damage to your Sonoma from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, rolling your car, crashing into a ditch, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Sonoma.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses such as funeral costs, prosthetic devices, X-ray expenses and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto liability – Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical services, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Be a smart shopper

You just learned a lot of tips how to reduce 2004 GMC Sonoma insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a smaller regional carrier.

People leave their current company for any number of reasons including questionable increases in premium, poor customer service, an unsatisfactory settlement offer or lack of trust in their agent. Regardless of your reason, switching companies can be easy and end up saving you some money.

When shopping online for auto insurance, do not reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits only to find out that it was a big error on their part. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

More tips and info about auto insurance can be found by following these links:

Use our FREE quote tool to compare rates now!

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