1999 GMC Sierra 2500 Insurance Rates

Are you intimidated by the dozens of car insurance company choices? Many other consumers are too. There are so many options that it can turn into a real hassle to find the lowest price.

Consumers need to shop coverage around quite often since rates are adjusted regularly by insurance companies. If you had the best deal for Sierra coverage two years ago you can probably find a better price now. So just forget all the misinformation about car insurance because you’re about to learn the only way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. Although consumers do need to understand how insurance companies sell insurance online.

Auto Insurance Comparison Rates

To find the best auto insurance prices, there are several ways to compare quotes and find the best price. The best way to find competitive 1999 GMC Sierra 2500 insurance rates involves getting comparison quotes online. This can be done in several different ways.

  • The best way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing separate quotes for each company. One form will return quotes from multiple low-cost companies. Just one form and you’re done.
  • A different way to find lower rates consists of going to each company website and complete a new quote form. For instance, we’ll pretend you want comparison quotes from Allstate, Geico and Progressive. To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Whichever way you use, double check that you are using apples-to-apples coverage information with each company. If you have higher or lower deductibles it’s impossible to make a fair comparison for your GMC Sierra 2500. Just a small difference in limits could mean much higher rates. It’s important to know that getting more free quotes provides better odds of finding lower pricing.

Don’t pay full price with these discounts

Companies offering auto insurance don’t list every discount in a way that’s easy to find, so we took the time to find some of the more common as well as the least known car insurance savings.

  • No Charge for an Accident – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Memberships – Affiliation with a civic or occupational organization could trigger savings when buying car insurance for Sierra coverage.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous.

To see a list of insurance companies with the best car insurance discounts, click here.

Your personal situation dictates your coverage

When it comes to choosing the best car insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might point out if your situation might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • Does my personal policy cover me when driving out-of-state?
  • What is the minimum liability in my state?
  • Is business equipment covered while in my vehicle?
  • Is my custom paint covered by insurance?
  • Does having multiple vehicles earn me a discount?
  • Is my 1999 GMC Sierra 2500 covered for flood damage?
  • What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Specific coverage details

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays for damage to your Sierra 2500 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This provides protection from damage or injury you incur to a person or their property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, bail bonds and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills like EMT expenses, pain medications and dental work. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, fire damage and vandalism. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

This coverage provides protection 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.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.