Compare 1998 GMC Sierra 1500 Car Insurance Rates

Buyers have lots of choices when searching for affordable GMC Sierra 1500 insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to find the lowest rates.

There is a better way to buy auto insurance so we’re going to tell you the quickest way to price shop coverage for your GMC and locate the lowest price from local insurance agents and online providers.

You need to price shop coverage on a regular basis because insurance rates change regularly. Despite the fact that you may have had the lowest rates for Sierra insurance six months ago other companies may now be cheaper. So just forget all the misinformation about auto insurance because you’re going to learn how to quote online to save on auto insurance.

The purpose of this post is to instruct you on the most effective way to quote insurance. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Drivers just need to learn the best way to compare rates online.

How to Buy Auto Insurance Online

All the larger auto insurance companies like State Farm, GEICO and Progressive allow you to get prices online. Getting online rates doesn’t take a lot of time as you just type in the coverages you want into the quote form. Upon sending the form, the system obtains credit information and your driving record and returns pricing information.

This makes it a lot easier to compare rates but the work required to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s very important to have as many quotes as possible if you are searching for a better rate.

An easier way to compare rates uses one simple form to obtain quotes from multiple companies. This type of form saves time, eliminates form submissions, and makes quoting online much easier. After sending the form, it is rated with multiple companies and you can pick any of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It takes just a few minutes to complete and may result in a nice savings.

If you want to use this form to compare rates, click here and begin entering your coverage information. If you have coverage now, it’s recommended you type in your coverages identical to your current policy. This way, you will get rate comparison quotes based on identical coverages.

Save on 1998 GMC Sierra 1500 insurance

Car insurance is not cheap, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but a few need to be specially asked for before you get the savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Memberships – Being a member of a qualifying organization could trigger savings when buying auto insurance for Sierra insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Homeowners Savings – Owning a home may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Low Mileage Discounts – Driving fewer miles can qualify you for a substantially lower rate.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Paperwork-free – Some insurance companies will give a small break for buying your policy digitally online.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will bring down your premiums.

To see a list of insurers with the best auto insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying coverage, there is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might help in determining if you would benefit from an agent’s advice.

  • What is no-fault insurance?
  • Is motorclub coverage worth it?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered by my spouse’s policy after a separation?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I getting all the discounts available?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Factors that can influence insurance rates for a GMC Sierra 1500

It’s important that you understand the rating factors that play a part in calculating insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get lower insurance prices.

Shown below are a few of the “ingredients” companies use to determine your rates.

  • Proper usage rating affects rates – The more you drive in a year’s time the more you will pay for insurance. The majority of insurers rate vehicles based upon how you use the vehicle. Autos left parked in the garage receive lower rates compared to those used for work or business. If your policy improperly rates your Sierra 1500 may be costing you. Make sure your insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your insurance expire. Not only will rates go up, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
  • Save money with special equipment – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
  • Little extras can really add up – There are quite a few extra coverages that you can get tricked into buying on your insurance policy. Insurance for rental car reimbursement, accidental death and additional equipment coverage may be wasting your money. These may sound like a good investment initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Traffic violations increase rates – Careful drivers get better rates compared to drivers with tickets. Even one moving violation can boost insurance rates by as much as thirty percent. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state motor vehicle department in order to keep their license.
  • How credit affects insurance rates – Having a bad credit score is a important factor in calculating your insurance rates. So if your credit is lower than you’d like, you could pay less to insure your 1998 GMC Sierra 1500 by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than those with poor credit.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance will pay to fix damage to your Sierra 1500 from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, crashing into a building, sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for ambulance fees, X-ray expenses, surgery, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverage

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover 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. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, loss of income, funeral expenses, pain and suffering and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, a tree branch falling on your vehicle, theft, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Saving money is sweet as honey

Drivers switch companies for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, being labeled a high risk driver or even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is not as hard as you think.

Throughout this article, we presented a lot of ways to get a better price on 1998 GMC Sierra 1500 insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from the smaller companies.

Lower-priced insurance can be bought on the web and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance providers may not provide online quoting and these regional insurance providers work with independent agents.

Even more information is available at these sites: