1991 GMC Sierra 2500 Car Insurance Rates – 5 Savings Tips

Looking for cheaper insurance coverage rates for your GMC Sierra 2500? I can’t think of anyone who looks forward to paying for insurance coverage, particularly when the cost is too high.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurers and get the best coverage at the cheapest price

You need to get comparison quotes on a regular basis because rates tend to go up over time. If you had the best deal on Sierra coverage last year there may be better deals available now. Don’t believe everything you read about insurance coverage on the web, but we’re going to give you some great ideas on how to stop overpaying for insurance.

If you are paying for car insurance now, you will be able to save some money using these techniques. Finding the best rates is not rocket science. But consumers must understand the way insurance companies market on the web.

Finding Auto Insurance Deals

Effectively comparing auto insurance prices can be exhausting if you don’t understand the easiest way. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting for quick rates.

Most of the larger companies take part in a program where insurance shoppers submit their information once, and each company can give them a price. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To access this free quoting program, click here to start a free quote.

The one downside to doing it this way is that consumers can’t choose which companies to get quotes from. If you would rather choose individual companies to receive pricing from, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, compare exactly the same coverages and limits for each comparison quote. If you use mixed coverages you can’t possibly decipher which rate is best. Just a small difference in insurance coverages may result in a large different in cost. Keep in mind that having more price comparisons will enable you to find a better price.

Drivers who switch save $413 a year? Really?

Allstate and Progressive continually stream ads in print and on television. All the companies have a common claim about savings after switching to them. How do they all say the same thing?

Different companies have a certain “appetite” for the right customer that is profitable for them. An example of a preferred risk could be between 25 and 40, has no driving citations, and chooses high deductibles. A propective insured who matches those parameters will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential customers who fall outside the requirements will be quoted higher rates which usually ends up with business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much. This is how companies can make the claims of big savings. This emphasizes why drivers must compare as many rates as you can. Because you never know which insurance companies will provide you with the cheapest GMC Sierra 2500 insurance rates.

Are you getting all your discounts?

Auto insurance companies do not advertise every discount in a way that’s easy to find, so we break down both the well known as well as the least known auto insurance savings.

  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Sign Online – A few companies may give you up to $50 simply for signing digitally online.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of providers with the best auto insurance discounts, follow this link.

When might I need an agent?

When choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you could use an agent’s help.

  • What is roadside assistance coverage?
  • Who is covered when they drive my 1991 GMC Sierra 2500?
  • What is no-fault insurance?
  • How do I insure my teen driver?
  • Why does it cost so much to insure a teen driver?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does having multiple vehicles earn me a discount?
  • Can my teen drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverages 101

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your GMC Sierra 2500.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, fire damage, falling objects, hail damage and theft. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as pain and suffering, attorney fees, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as funeral costs, prosthetic devices, EMT expenses and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, backing into a parked car, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

More comparisons equals lower rates

We just showed you a lot of information how to reduce 1991 GMC Sierra 2500 insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with a small mutual company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

When shopping online for auto insurance, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

More detailed auto insurance information can be found by following these links: