Looking for the cheapest auto insurance rates for your GMC Sierra 2500? Finding the cheapest insurance for a GMC Sierra 2500 can turn out to be a painful process, but you can use a few tricks to save time.
There is a better way to find auto insurance online and we’ll show you the best way to price shop coverage for a new or used GMC and obtain the lowest price from local insurance agents and online providers.
It’s a good habit to shop coverage around yearly since rates are rarely the same from one policy term to another. Even if you think you had the lowest rates on Sierra coverage a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to find out the tricks you need to know to eliminate unnecessary coverages and save money.
Finding a better price on car insurance can be relatively painless. All you need to do is invest a few minutes comparing rate quotes provided by online insurance companies. This can be done using a couple different methods.
The fastest way to get quotes is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing repetitive form submissions to each individual car insurance company. One simple form will return price quotes direct from many companies. It’s definitely the quickest method.
Another way to find lower rates consists of visiting the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll assume you want to compare GEICO, 21st Century and American Family. To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.
It doesn’t matter which method you choose, just be sure to compare identical coverage information for every quote you compare. If the quotes have different values for each quote then you won’t be able to truly determine the lowest rate.
Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but less common discounts must be specifically requested before you will receive the discount. If they aren’t giving you every credit available, you’re just leaving money on the table.
It’s important to note that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce your overall premium however.
Insurance companies that may offer these benefits are:
It’s a good idea to ask each insurance company which discounts they offer. Savings may not apply everywhere.
When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.
These are some specific questions might help in determining if your situation could use an agent’s help.
If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
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 very important. Most of the time these coverages are identical to your policy’s liability coverage.
Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like falling objects, vandalism, a tree branch falling on your vehicle, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car, scraping a guard rail, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.
Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses for dental work, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Auto liability insurance – This will cover injuries or damage you cause to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.