Save on 1996 GMC Sierra 2500 Car Insurance Quotes

Searching for the cheapest car insurance rates for your GMC Sierra 2500? Locating the cheapest insurance for a GMC Sierra 2500 can normally be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to buy car insurance so you’re going to learn the best way to price shop coverage for a new or used GMC and get the lowest price either online or from local insurance agents.

You should make it a habit to check car insurance prices on a regular basis because rates are rarely the same from one policy term to another. Just because you found the lowest price on Sierra insurance a few years ago you can probably find a better price now. So ignore everything you know about car insurance because it’s time to teach you one of the easiest ways to reduce your cost while increasing coverage.

Take discounts and save

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be asked about before you get the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Homeowners Savings – Owning a home can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Distant Student – Any of your kids living away from home attending college and don’t have a car may qualify for this discount.
  • Memberships – Affiliation with certain professional organizations could trigger savings when buying insurance on Sierra insurance.

It’s important to understand that some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurance companies with discount insurance rates, click here to view.

How to Compare Insurance Coverage Quotes

Comparing insurance coverage rates can be a daunting task if you aren’t aware of the most efficient way to do it. You can waste hours talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Most major companies are enrolled in a marketplace that enables customers to enter their policy data once, and each participating company returns a rated price for coverage. This prevents consumers from doing form submissions to each company. To get comparison pricing now click here to open in new window.

The only drawback to comparing rates this way is that consumers can’t choose the providers you will receive quotes from. If you wish to select from a list of companies to receive pricing from, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples deductibles and coverage limits for every quote you compare. If you compare higher or lower deductibles it will be next to impossible to determine the lowest rate for your GMC Sierra 2500.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving a rental car?
  • Do I need higher collision deductibles?
  • Am I covered when driving on a suspended license?
  • What if I total my 1996 GMC Sierra 2500 and owe more than it’s worth?
  • Does having multiple vehicles earn me a discount?
  • Can my babysitter drive my car?
  • Am I covered if I break a side mirror?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of auto insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.


Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, 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 limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, funeral expenses, attorney fees, court costs and medical services. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, falling objects and fire damage. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses such as dental work, hospital visits, nursing services, pain medications and chiropractic care. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

This 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 coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, scraping a guard rail, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your GMC Sierra 2500.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Saving money is sweet as honey

As you restructure your insurance plan, you should never reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage for the lowest price.

We just presented a lot of information how to get a better price on 1996 GMC Sierra 2500 insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even discover the best price on insurance is with a lesser-known regional company.

Budget-conscious insurance can be sourced online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Helpful learning opportunities