Cheap 1991 GMC Sierra 3500 Insurance Rates

Searching for better insurance prices for a GMC Sierra 3500 can normally be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the absolute fastest way to get price quotes on a GMC and obtain the best price possible.

Pricing the cheapest insurance is quite easy. If you have a policy now or need new coverage, you will benefit by learning to find better prices while maintaining coverages. Vehicle owners just need to know the most effective way to compare company rates online.

GMC Sierra 3500 insurance rates are influenced by…

It’s important that you understand the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Pay less if you’re married – Having a wife or husband can get you a discount on auto insurance. It translates into being more mature and it’s proven that drivers who are married are more cautious.
  • Multi-policy discounts can save money – Many insurance companies will give a discount to people who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to ensure the best deal.
  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that you can buy on your auto insurance policy. Coverages for rental car reimbursement, towing coverage and membership fees may be wasting your money. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse is a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, failure to provide proof of insurance can result in a steep fine or even jail time.
  • Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your GMC Sierra 3500 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Careful drivers pay lower rates – Your driving citation history has a lot to do with how much you pay for insurance. Just one ticket can increase rates by twenty percent. Good drivers get better rates than their less careful counterparts. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Keep rates low by being claim-free – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies provide discounts to insureds who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
  • Clean credit earns discounts – Having a bad credit score is a large factor in calculating your auto insurance rates. If your credit history is lower than you’d like, you could be paying less to insure your 1991 GMC Sierra 3500 by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit.

Discounts are great for lower rates

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but less common discounts must be specially asked for before being credited. If you don’t get every credit possible, you are paying more than you should be.

  • Memberships – Affiliation with a qualifying organization could qualify you for a break on insurance coverage for Sierra insurance.
  • Distant Student – Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Save over 55 – Mature drivers may receive reduced rates for Sierra insurance.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

Companies that may have some of the above discounts include:

Double check with every prospective company what discounts are available to you. All car insurance discounts might not apply in your state.

You may need specialized coverage

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Do I need rental car coverage?
  • Do all my vehicles need collision coverage?
  • What exactly is covered by my policy?
  • What if I don’t agree with a claim settlement offer?
  • Does my 1991 GMC Sierra 3500 qualify for pleasure use?
  • Am I covered if my car is in a flood?
  • Are my friends covered when driving my 1991 GMC Sierra 3500?
  • What is medical payments coverage?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Information about specific coverages

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance – This can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like loss of income, medical services, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for things like rehabilitation expenses, X-ray expenses, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision coverage pays for damage to your Sierra 3500 resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hitting a bird and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, never buy less coverage just to save a little money. There are too many instances where an insured dropped liability coverage limits and learned later that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

We’ve covered a lot of tips how to shop for 1991 GMC Sierra 3500 insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Low-cost insurance is definitely available online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and these small, regional companies work with independent agents.

More detailed car insurance information is available at these sites: