View 1998 GMC Sonoma Insurance Rates

Shopping for low-cost insurance over the internet may be impossible for consumers not familiar with shopping for insurance online. Because there are so many companies competing online, how can you effectively compare every company to locate the best available rates?

If you currently have car insurance, you will be able to save some money using these methods. This information will teach you how to get online quotes and some money-saving tips. Although drivers do need to learn how the larger insurance companies sell online.

Do you qualify for a discount?

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Some discounts apply automatically at the time of quoting, but a few need to be asked about before they will apply.

  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Passive Restraints – Factory air bags or motorized seat belts can get savings of 20% or more.
  • Early Signing – Some companies give discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Student in College – Children who live away from home and do not have a car may qualify for this discount.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for Sonoma coverage with a few auto insurance companies.
  • Sign Online – A few companies may give you up to $50 for buying a policy and signing up online.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurers with discount auto insurance rates, follow this link.

Compare Auto Insurance Today

There are a variety of methods to compare 1998 GMC Sonoma auto insurance prices but there is one way that is less labor-intensive and much quicker. You can waste a lot of time driving to insurance agencies in your area, or you can utilize online quotes to get prices fast.

The majority of car insurance companies belong to an insurance system where prospective buyers enter their policy data once, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests for every auto insurance company.

To compare 1998 GMC Sonoma rates using this form now click here (opens in new window).

The one disadvantage to using this type of form is you are unable to specify which insurance companies you will receive quotes from. So if you want to select specific providers for rate comparison, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare the exact same information on every quote you get. If you enter differing limits you can’t possibly determine which rate is truly the best. Just a small difference in coverages could mean much higher rates. Just keep in mind that getting more free quotes will improve the odds of getting the best rates.

Factors influencing GMC Sonoma insurance rates

It’s important that you understand some of the elements that play a part in calculating car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Shown below are a few of the “ingredients” used by your company to calculate rates.

  • Pleasure use or commuting – The more you drive every year the higher your rate. Most insurance companies apply a rate based on their usage. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your car insurance policy is showing the correct driver usage, because it can save money. If your policy improperly rates your Sonoma may be wasting your money.
  • Add-on coverages can add up – There are quite a few add-on coverages that you can buy when buying car insurance. Insurance for rental car reimbursement, towing coverage and motor club memberships may be costing you every month. They may seem good initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Discounts for multiple policies – Most insurers will award you with lower prices to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you may still want to compare other company rates to ensure the best deal.
  • Car features impact rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your GMC has ratings of a minimum four stars on it is probably cheaper to insure.
  • High deductibles save money – Coverage for physical damage, also known as collision and other-than-collision, protects your GMC from damage. Examples of covered claims would be collision with another vehicle, damage from fire, and windstorm damage. Physical damage deductibles are the amount of money you are required to spend if you file a covered claim. The more you’re willing to pay, the lower your rates will be for Sonoma coverage.
  • Your car insurance rates can be influenced by your job – Did you know that where you work can have an impact on rates? Occupations like lawyers, architects and stock brokers tend to have the highest rates in part from high stress and long work hours. On the other hand, occupations such as actors, students and performers receive lower rates for Sonoma coverage.
  • Battle of the sexes – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both cause accidents at a similar rate, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Young males tend to get in the most accidents and thus pay the highest rates.

What coverages do I need?

When choosing coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions could help you determine if your situation might need professional guidance.

  • Can I afford low physical damage deductibles?
  • What can I do if my company denied a claim?
  • Will my insurance pay for OEM parts?
  • When would I need rental car insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • When do I need to add a new car to my policy?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverages explained

Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, rock chips in glass, damage from getting keyed, hitting a bird and falling objects. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

This coverage will pay to fix damage to your Sonoma caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, rolling your car, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles, bail bonds and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Sonoma.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are similar to your liability insurance amounts.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for things like nursing services, hospital visits, rehabilitation expenses, chiropractic care and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. Too many times, someone dropped collision coverage only to find out they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of tips how to get a better price on 1998 GMC Sonoma insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

Drivers leave their current company for many reasons like high prices, policy cancellation, questionable increases in premium or even being labeled a high risk driver. Whatever your reason, finding a new company can be easy and end up saving you some money.

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