2003 GMC Sierra 1500HD Insurance Quotes

Searching for cheap car insurance online can be difficult for consumers new to price shopping online. When there are so many insurers available, how can anyone effectively compare every one to find the best pricing?

You should take the time to compare prices yearly because prices are usually higher with each renewal. Just because you had the best rates for SierraHD coverage a year ago the chances are good that you can find a lower rate today. So block out anything you think you know about car insurance because you’re going to learn how to quote online to find better rates and still maintain coverage.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. The purpose of this article is to tell you the most effective way to quote insurance. But vehicle owners should learn how the larger insurance companies compete online and use this information to your advantage.

How to Get Insurance Comparison Quotes

When shopping for insurance there are multiple ways of comparing price quotes and find the best price. The simplest method to find competitive 2003 GMC Sierra 1500HD insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

The single most time-saving way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This easy form keeps you from doing separate forms for each company you want a rate for. One simple form gets rate comparisons from several companies. Recommended for those who want to invest the least amount of time.

A more time consuming way to compare prices is to take the time to go to each individual company website to complete their respective quote request forms. For instance, let’s assume you want to compare rates from State Farm, 21st Century and GEICO. To get each rate you have to visit each site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The most time-consuming way to get comparison rates is to waste gas driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you want the professional advice only provided by licensed agents. It is possible to obtain prices from the web and still use a local agent. We’ll cover that shortly.

Whichever way you use, ensure you are comparing identical deductibles and coverage limits for every company. If you use different values for each quote you can’t possibly find the best deal for your GMC Sierra 1500HD. Quoting even small variations in insurance coverages may result in a large different in cost. Just remember that comparing more company’s prices helps locate better pricing.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be specially asked for prior to getting the savings.

  • Student in College – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for SierraHD coverage than drivers with accidents.
  • Life Insurance – Larger companies have a discount if you purchase life insurance from them.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will help reduce the cost of coverage.

Insurance companies who might offer these discounts include:

Double check with each company how you can save money. Savings might not be offered in your area.

How do I know if I need professional advice?

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have coverage when making deliveries for my home business?
  • What is covered by UM/UIM coverage?
  • Is my state a no-fault state?
  • How do I buy GAP insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is pleasure use cheaper than using my 2003 GMC Sierra 1500HD to commute?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your GMC Sierra 1500HD.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for expenses for things like EMT expenses, hospital visits, prosthetic devices, doctor visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability – Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.