Cheaper 1996 GMC Sierra 1500 Car Insurance Rates

Searching for the cheapest insurance on the web is problematic for consumers not familiar with online price comaprisons. With a ridiculous number of insurers to choose from, how can consumers even start to compare them all to find the best pricing?

If you are paying for car insurance now, you should be able to save some money using these techniques. This information will help educate you on the best way to quote coverages and some tricks to saving. Although vehicle owners must learn how companies compete online.

How to Compare Car Insurance Rates

To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. The easiest way by far to compare 1996 GMC Sierra 1500 insurance prices is to get quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to get quotes would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for separate forms for every car insurance company. One quote request will get you rate comparisons from several companies. It’s definitely the quickest method.
  2. A slightly less efficient method to compare prices is to take the time to go to the website for every company you want to comare to complete a price quote. For example, let’s say you want rates from Liberty Mutual, 21st Century and GEICO. You would have to visit each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, ensure you are comparing the exact same coverage information on every quote you get. If you have different deductibles then you won’t be able to make an equal comparison. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Just remember that comparing a large number of companies will increase your chances of finding the best rates.

Switch companies and save? Really?

Insurance providers like Allstate, GEICO and Progressive consistently run television and radio advertisements. They all make the same claim about savings if you change to them. How can each company claim to save you money? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that is profitable for them. For example, a desirable insured could possibly be over the age of 50, has no driving citations, and has a high credit rating. Any driver that hits that “sweet spot” gets the lowest rates and most likely will save when switching.

Potential customers who don’t measure up to the requirements will be quoted higher prices and ends up with the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that much. This is how insurance companies can make the claims of big savings.

This emphasizes why it is so important to get quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Take discounts and save

The cost of insuring your cars can be expensive, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you purchase, but some must be asked about before you will receive the discount.

  • Paperless Signup – A few companies will give a small break simply for signing digitally online.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Multiple Cars – Having all your vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.

As a disclaimer on discounts, many deductions 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 all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.

For a list of insurers with discount insurance coverage rates, click here to view.

Which policy gives me the best coverage?

When buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions may help highlight if you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Are my friends covered when driving my 1996 GMC Sierra 1500?
  • Do I need an umbrella policy?
  • How can I get my company to pay me more for my totalled car?
  • Do I need motorclub coverage?
  • Is extra glass coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when pulling a rental trailer?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage

This coverage covers 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 claims like hail damage, damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.


Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as funeral expenses, loss of income, repair bills for other people’s vehicles, emergency aid and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your GMC Sierra 1500.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses such as X-ray expenses, chiropractic care and EMT expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance 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 the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch, crashing into a building, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Buy online or local, you save

Discount 1996 GMC Sierra 1500 insurance is available from both online companies in addition to many insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

People leave their current company for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, being labeled a high risk driver and even delays in responding to claim requests. Whatever your reason, finding a great new company is not as difficult as it may seem.

We just covered some good ideas how you can shop for insurance online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the biggest savings come from some of the lesser-known companies.

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