2002 GMC Sierra 3500 Car Insurance Rates

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers feel financially strained by their auto insurance policy. Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Consumers should take time to take a look at other company’s rates quite often since insurance rates change regularly. Despite the fact that you may have had the lowest price for Sierra coverage on your last policy other companies may now be cheaper. Starting now, ignore everything you know about auto insurance because we’re going to show you how to use online quotes to lower your annual insurance bill.

If you are insured now or are just looking to switch companies, you can use these tips to get lower rates while maintaining coverages. Buying car insurance is quite easy. Drivers just need to learn how to get comparison rates on the web.

Insurance Comparisons

Finding lower insurance rates isn’t really that difficult. The only thing you need to do is take a few minutes to compare quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

1. The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating repetitive form submissions for each company. Taking the time to complete one form will get you rate comparisons direct from many companies.
2. A slightly less efficient method to find lower rates consists of visiting the website for every company you want to comare and complete a new quote form. For instance, let’s assume you want to compare rates from Nationwide, 21st Century and GEICO. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

   For a handy list of car insurance company links in your area, click here.

Whichever method you choose, make sure you use apples-to-apples deductibles and coverage limits on every quote. If you compare mixed coverages then you won’t be able to truly determine the lowest rate.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining if your situation will benefit from professional help.

• Does my car insurance cover rental cars?
• How many claims can I have before being cancelled?
• Which companies will insure high-risk drivers?
• Is my GMC Sierra 3500 covered if I use it for business?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I need rental car coverage?
• Do I need an umbrella policy?
• How high should deductibles be on a 2002 GMC Sierra 3500?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance policy specifics

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like hospital visits, rehabilitation expenses, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, fire damage and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – Collision insurance pays for damage to your Sierra 3500 resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverage – Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, structural damage, court costs and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.