2007 GMC Sierra 1500 Insurance Cost – 5 Tips for Best Prices
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UPDATED: Nov 30, 2021
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Looking for lower insurance rates for your GMC Sierra 1500? Feel like you’re a prisoner to overpriced insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.
Consumers have many insurers to insure vehicles with, and although it’s nice to be able to choose, too many choices makes it more difficult to compare rates and cut insurance costs.
It is always a good idea to get comparison quotes once or twice a year because insurance rates fluctuate regularly. Just because you had the lowest price on Sierra insurance six months ago you can probably find a better price now. Forget all the misinformation about insurance because we’re going to demonstrate how to use online quotes to get good coverage at a lower rate.
Quick Car Insurance Quotes
There are several ways to shop for GMC Sierra 1500 car insurance, but some are less labor-intensive and much quicker. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.
Most major companies take part in a program that enables customers to submit their information once, and each company provides a quote. This eliminates the need for quote requests to each individual car insurance company.
To compare 2007 GMC Sierra 1500 rates using this form now click here to open in new window.
One minor caviat to comparing rates this way is you don’t know exactly which carriers to get quotes from. So if you prefer to pick from a list of companies to compare, we have a listing of companies who write car insurance in your area.
It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage information for every quote you compare. If you use different liability limits you will not be able to determine which rate is truly the best. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparison shopping, quoting more helps you find a lower rate.
How much can you save with these five discounts?
Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find auto insurance savings.
- Military Discounts – Having a family member in the military could be rewarded with lower premiums.
- Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
- Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
- No Accidents – Good drivers with no accidents can save substantially when compared to frequent claim filers.
- Multiple Vehicles – Having multiple vehicles on the same auto insurance policy qualifies for this discount.
A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.
Companies who might offer these benefits are:
- American Family
- 21st Century
- Farmers Insurance
Before buying, ask each company how you can save money. Some discounts may not apply in your state.
How much car insurance do I need?
When choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from an agent’s advice.
- Is my cargo covered for damage or theft?
- Who is covered when they drive my 2007 GMC Sierra 1500?
- I have a DUI can I still get coverage?
- What is high-risk coverage and where do I buy it?
- What companies insure drivers after a DUI or DWI?
- How do I insure my teen driver?
- Is my nanny covered when driving my vehicle?
- Will my vehicle be repaired with OEM or aftermarket parts?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.
Car insurance coverages 101
Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.
This covers damage to your Sierra 1500 caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as scraping a guard rail, crashing into a building, sideswiping another vehicle, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like X-ray expenses, hospital visits, chiropractic care, prosthetic devices and EMT expenses. 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 not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like falling objects, hitting a bird, fire damage and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your GMC Sierra 1500.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Auto liability insurance
Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for 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. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability coverage protects against things like loss of income, medical services, emergency aid, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
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