2006 GMC Sierra 1500HD Insurance Quotes – 5 Ideas for Best Rates

Drivers have options when trying to find the lowest priced GMC Sierra 1500HD insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to make rate comparisons. There are more efficient ways to compare insurance rates and you need to know the quickest way to price shop coverage for a new or used GMC and get the cheapest rates from both online companies and local agents.

You should take the time to price shop coverage at least once a year because insurance rates change frequently. Even if you got the lowest price on SierraHD insurance last year a different company probably has better rates today. There is a lot of bad advice regarding insurance on the internet, so I’m going to show you some good information on how to buy insurance cheaper.

Take advantage of discounts

Companies offering auto insurance don’t always advertise all available discounts very well, so here is a list both the well known and also the lesser-known savings tricks you should be using. If you don’t get every credit available, you’re paying more than you need to.

  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on SierraHD insurance than less cautious drivers.

Drivers should understand that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous.

Insurance companies that may have these money-saving discounts include:

Check with each company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

Misconceptions in insurance coverage advertisements

Consumers get pounded daily by advertisements that promise big savings from the likes of 21st Century, Allstate and State Farm. All the ads have a common claim about savings if you move your coverage to them.

How can each company claim to save you money?

All the different companies are able to cherry pick for the right customer that is profitable for them. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer getting a price quote who matches those parameters will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile must pay a more expensive rate and this can result in the customer not buying. The ads state “customers that switch” but not “drivers who get quotes” save money. That’s the way insurance companies can claim big savings. This illustrates why you should get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings on GMC Sierra 1500HD insurance.

How to know if you need help

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

For example, these questions may help highlight if you would benefit from professional advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my babysitter covered when using my vehicle?
  • Should I buy additional glass protection?
  • Can my teen drive my company car?
  • Do I pay less if my vehicle is kept in my garage?
  • Will my insurance pay for OEM parts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

This covers damage to your Sierra 1500HD from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, driving through your garage door, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Sierra 1500HD.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, vandalism, fire damage and hitting a deer. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills like chiropractic care, funeral costs and EMT expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This will cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, attorney fees, legal defense fees and medical expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Get your money’s worth

Budget-conscious 2006 GMC Sierra 1500HD insurance is attainable from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Drivers leave their current company for a variety of reasons including policy cancellation, policy non-renewal, high rates after DUI convictions or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are too many instances where someone sacrificed collision coverage only to regret they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

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