1998 GMC Sierra 3500 Insurance Rates – 6 Savings Tips

Searching for the cheapest insurance rates for your GMC Sierra 3500? Have you had enough of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as most other car owners.

Consumers have many car insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more challenging to find the lowest rates.

You should make it a habit to shop coverage around yearly because rates change frequently. Just because you had the lowest rates on Sierra coverage a few years ago there is a good chance you can find better rates now. Ignore everything you know about insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

Free Quotes for Insurance

Most companies give coverage price quotes on the web. Getting online quotes is quite easy as you simply enter your required coverages as requested by the quote form. After you complete the form, the company’s rating system orders reports for credit and driving violations and returns a price quote determined by many factors. This helps simplify price comparisons, but the work required to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to perform this step in order to get the lowest possible prices on insurance.

A less time-consuming method to compare rates uses one simple form to get prices from multiple companies. It’s a real time-saver, reduces the work, and makes price shopping online a little more enjoyable. Once the form is submitted, it is quoted with multiple companies and you can pick any of the quotes that you receive.

If a lower price is quoted, it’s easy to complete the application and buy the policy. It takes 15 minutes at the most and you’ll know if lower rates are available.

To find out if lower rates are available, click here and begin entering your coverage information. If you currently have coverage, we recommend you replicate deductibles and limits as shown on your current policy. This helps ensure you will receive rate comparison quotes for similar insurance coverage.

When should I use an insurance agent?

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help you determine whether or not you might need professional guidance.

  • What should my uninsured motorist coverage limits be in my state?
  • Is my nanny covered when driving my vehicle?
  • How many claims can I have before being cancelled?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need higher collision deductibles?
  • Should I carry comprehensive and collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Parts of your auto insurance policy

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like hospital visits, pain medications, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your Sierra 3500 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

This coverage provides protection from damage that occurs to other’s property or people. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like court costs, medical services, loss of income and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your GMC Sierra 3500.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, vandalism, falling objects and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.