1999 GMC Sierra 1500 Car Insurance Rates

Trying to find lower car insurance rates for your GMC Sierra 1500? Are you a victim of high-priced car insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Popular companies such as GEICO, Progressive and Allstate promote their brand names with ad campaigns and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

It is always a good idea to check car insurance prices before your policy renews because prices are variable and change quite frequently. Even if you got the best rates on Sierra insurance a year ago the chances are good that you can find a lower rate today. So just block out anything you think you know about car insurance because we’re going to show you one of the quickest ways to save on car insurance.

If you have insurance now or need a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Consumers only need to know the best way to get comparison quotes on the web.

Some factors that can determine what GMC Sierra 1500 insurance costs

Consumers need to have an understanding of the factors that play a part in calculating insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with big savings.

Shown below are some of the items used by your company to calculate rates.

  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for insurance? Careers like judges, architects and stock brokers tend to pay the highest rates attributed to high stress and long work hours. On the other hand, occupations such as scientists, students and homemakers have the lowest average rates on Sierra insurance.
  • Where do you drive? – Driving more miles each year the more you will pay for insurance. Most companies rate vehicles based on their usage. Autos not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your Sierra 1500 can cost quite a bit. Ask your agent if your insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your GMC earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you if a jury decides you are liable for damages from an accident. Liability insurance provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Where you live is a factor – Being located in a rural area can be a good thing when buying insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Fewer drivers means reduced accidents and a lower car theft rate.

Insurance Quote Comparison

Getting a cheaper price on 1999 GMC Sierra 1500 insurance is not rocket science. Just take a few minutes to get quotes provided by online insurance companies. This can be done in several different ways.

One of the best ways to get quotes for comparison is a comparison rater form click to view form in new window. This type of form eliminates the need for a different quote to each individual insurance company. One form will get you price quotes direct from many companies.

A slightly less efficient method to compare rate quotes consists of visiting each company website to request a price quote. For examples sake, let’s say you want rates from Farmers, 21st Century and Liberty Mutual. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

The most time-consuming way to compare rates is to drive around to insurance agents’ offices. Shopping for insurance online makes this process obsolete unless you prefer the professional guidance of a licensed agent. However, consumers can comparison shop your insurance online and still use a local agent.

Whichever way you use, ensure you are comparing apples-to-apples coverage limits for each comparison quote. If you compare different liability limits it will be next to impossible to truly determine the lowest rate.

Cut your insurance coverage rates with discounts

Auto insurance companies do not advertise every discount in an easy-to-find place, so we researched both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Multiple Cars – Having all your vehicles on the same insurance coverage policy qualifies for this discount.
  • One Accident Forgiven – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Paperless Signup – A few companies will give a small break just for signing your application digitally online.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

Drivers should understand that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

Companies that may have these discounts are:

It’s a good idea to ask every prospective company how you can save money. Discounts may not be available in your state.

You are unique and your insurance coverage should be too

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine if you may require specific advice.

  • Am I better off with higher deductibles on my 1999 GMC Sierra 1500?
  • Do I need motorclub coverage?
  • Is my camper covered by my car insurance policy?
  • Are my friends covered when driving my car?
  • Do I have coverage when pulling a U-Haul trailer?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Car insurance coverages for a 1999 GMC Sierra 1500

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for X-ray expenses, chiropractic care, EMT expenses and prosthetic devices. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability – Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as repair costs for stationary objects, structural damage, attorney fees, medical expenses and medical services. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, fire damage and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision coverages – This 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 claims like colliding with a tree, crashing into a building, sideswiping another vehicle, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

A penny earned…

When trying to cut insurance costs, you should never buy less coverage just to save a little money. Too many times, an accident victim reduced physical damage coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

We’ve covered many ideas to compare 1999 GMC Sierra 1500 insurance prices online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the lowest premiums are with an unexpected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

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