Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage. Popular companies such as State Farm, Progressive and GEICO constantly bombard you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.
Performing a rate comparison can be a lot of work if you don’t utilize the fastest way to get free quotes. You can spend countless hours driving to insurance companies in your area, or you can stay home and use online quotes to get prices fast.
Many of the larger companies participate in an industry program where insurance shoppers only type in their quote data once, and each company provides a quote determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.
To compare pricing click here to start a free quote.
The only downside to getting quotes like this is you are unable to specify the providers to get pricing from. If you wish to select specific insurance companies to compare rates, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.
It’s up to you which method you use, but make sure you use the exact same coverage limits and deductibles on every quote you get. If your comparisons have higher or lower deductibles it will be impossible to find the best deal for your GMC Sierra 1500.
Car insurance companies do not advertise all their discounts very well, so we break down both well-publicized and the more hidden savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.
As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.
To see a list of providers with discount insurance coverage rates, follow this link.
When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out whether or not you will benefit from professional help.
If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on the average auto insurance policy.
Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your GMC Sierra 1500.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, damage from getting keyed, hitting a bird and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as hitting a parking meter, scraping a guard rail, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, prosthetic devices and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and doesn’t 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. You commonly see limits of 50/100/50 which means $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 claims such as repair costs for stationary objects, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.
As you shop your coverage around, never reduce needed coverages to save money. There have been many cases where someone dropped full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
We just presented some good ideas how to lower your 1990 GMC Sierra 1500 insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.
Much more information about auto insurance is available on the following sites: