Compare 1999 GMC Sierra Classic 1500 Insurance Quotes

Searching for the cheapest insurance rates for your GMC Sierra Classic 1500? Are you tired of trying to scrape together enough money to buy car insurance? Your situation is no different than many other drivers. Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer to find the absolute lowest rate

It is always a good idea to price shop coverage before your policy renews due to the fact that insurance rates are usually higher with each renewal. Just because you had the best deal for Sierra Classic coverage six months ago you can probably find a lower rate today. There is a lot of bad information regarding insurance on the web, but I’m going to show you some great ideas on how to save money.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to find better prices and possibly find even better coverage. Finding the best rates is not rocket science. Consumers just need to know the most efficient way to get comparison rates online.

GMC Sierra Classic 1500 insurance rates consist of many parts

It’s important that you understand the factors that come into play when calculating auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that could result in better auto insurance rates.

The list below includes some of the factors used by your company to calculate premiums.

  • Don’t cancel a policy without a new one in place – Letting your insurance expire will be a sure-fire way to pay more for auto insurance. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a steep fine or even jail time.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Traffic citations inflate rates – Whether or not you get tickets impacts your car insurance rates tremendously. Careful drivers get better rates than their less careful counterparts. Even one ticket can boost insurance rates by twenty percent. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies generally give discounts to drivers who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • Sex matters – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Women and men are in accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.

Free Quotes for Car Insurance

Finding cheaper 1999 GMC Sierra Classic 1500 car insurance prices is surprisingly easy. The only requirement is to spend a few minutes getting comparison quotes from different insurance companies. This can be done in a couple of different ways.

  1. The most efficient way to get the best comparison quotes is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate forms to each individual car insurance company. One form submission compares rates from many national carriers.
  2. A less efficient way to obtain and compare quotes online requires you to visit each company’s website to complete a price quote. For examples sake, we’ll assume you want comparison quotes from Liberty Mutual, Progressive and GMAC. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The most time-consuming way of comparing rate quotes is driving around to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you want the personal advice of a local agent. It is possible to compare the best prices online and still use a local agent and you’ll learn how to do that later.

Whichever method you choose, ensure you are comparing exactly the same coverage limits and deductibles for every quote you compare. If you are comparing different limits and deductibles on each one it will be impossible to determine the lowest rate for your GMC Sierra Classic 1500.

Advertising myths

Consumers can’t ignore all the ads that promise big savings from the likes of Allstate, GEICO and Progressive. They all say the same thing about savings if you move your coverage to them.

But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk might be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” receives the best rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t measure up to the “perfect” profile must pay a higher premium and this can result in business not being written. The ad wording is “people who switch” not “people who quote” save that much money. That’s why insurance companies can confidently make the claims of big savings. This illustrates why you absolutely need to get a wide range of price quotes. You cannot predict which auto insurance company will fit your personal profile best.

These discounts can lower your rates

Companies that sell car insurance do not advertise every discount very well, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Defensive Driver – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts up to 30%.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for Sierra Classic coverage with select insurance companies.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies that possibly offer these money-saving discounts are:

It’s a good idea to ask each company what discounts are available to you. Some discounts may not be available in your area.

Different people need different coverages

When it comes to buying coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help highlight if your situation will benefit from professional help.

  • Can I get a multi-policy discount?
  • Where can I find high-risk insurance?
  • Am I covered when pulling a rental trailer?
  • Who is covered by my policy?
  • Can I make deliveries for my home business?
  • What is the difference between comprehensive and collision coverage?
  • Can my babysitter drive my car?
  • When do I need to add a new car to my policy?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like prosthetic devices, surgery, doctor visits and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your GMC Sierra Classic 1500.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Auto collision coverage

This coverage will pay to fix damage to your Sierra Classic 1500 resulting from colliding 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 hitting a parking meter, hitting a mailbox, colliding with a tree and crashing into a building. 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.

Liability insurance

This will cover injuries or damage you cause to people or other property. It protects YOU from claims by other people, and doesn’t 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 liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, medical expenses, court costs, pain and suffering and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, rock chips in glass, hitting a deer and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Smart consumers save more

We just covered a lot of tips how to shop for 1999 GMC Sierra Classic 1500 insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the best price on auto insurance is with a smaller regional carrier. They may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

When trying to cut insurance costs, never skimp on coverage in order to save money. There are many occasions where someone dropped uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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