1993 GMC Sierra 3500 Car Insurance Quotes

Tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers. Big-name insurance companies like Geico, Progressive and Allstate increase brand awareness with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

These factors can influence what you pay for GMC Sierra 3500 insurance

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get better insurance rates.

  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Men and women cause accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving.
  • More miles equals more premium – The more you drive every year the more you will pay for insurance. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks left parked in the garage receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Sierra 3500 can cost quite a bit. Make sure your insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Consolidate policies to earn discounts – Some companies provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • An active claims history can cost you – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies award lower rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of the large, substantial claims.

Discounts are great for lower rates

Car insurance companies do not advertise every discount very clearly, so we researched both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Passive Restraints – Factory air bags or motorized seat belts can get savings up to 30%.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Sierra coverage than less cautious drivers.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
  • Claim Free – Claim-free drivers can save substantially when compared with bad drivers.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save at least 10% off all policies.

Keep in mind that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Companies who might offer some of the above discounts include:

Before buying, ask each company how you can save money. Discounts may not be available everywhere.

Buyer beware of insurance advertising tricks

Consumers constantly see and hear ads for cheaper car insurance from the likes of State Farm, Allstate and Geico. All the companies have a common claim about savings if you switch your coverage to them.

How do they all make the same claim?

Different companies can use profiling for the driver that makes them money. An example of a profitable customer might be profiled as between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Drivers who don’t measure up to this ideal profile will be charged higher premiums and this can result in the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully make those claims. That is why you need to get as many quotes as possible. It’s impossible to know which insurance company will have the lowest GMC Sierra 3500 insurance rates.

You may need specialized coverage

When choosing the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions can aid in determining if you may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Is a blown tire covered by insurance?
  • Where can I find high-risk insurance?
  • Do I have coverage when using my vehicle for my home business?
  • What is an SR-22 filing?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should I remove comp and collision on my 1993 GMC Sierra 3500?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • Does my 1993 GMC Sierra 3500 qualify for pleasure use?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage options for a GMC Sierra 3500

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from auto insurance companies.

Collision coverage

Collision coverage pays for damage to your Sierra 3500 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like pain medications, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This will cover damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, 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 protects against claims like legal defense fees, repair bills for other people’s vehicles, medical services, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Save your hard earned cash

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. There have been many situations where someone sacrificed 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 find the BEST coverage at a price you can afford.

Throughout this article, we presented some good ideas how you can save on 1993 GMC Sierra 3500 insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with the least-expected company. They often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

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