2002 GMC Sierra 2500HD Car Insurance Quotes – 9 Policy Discounts

Want the cheapest car insurance rates for your GMC Sierra 2500HD? Comparison shopping for car insurance is always a challenge for consumers new to comparison shopping online. People have so many options available that it can quickly become a big hassle to locate the lowest price.

Compare Quotes for Car Insurance

To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. By far the easiest way to find the cheapest 2002 GMC Sierra 2500HD insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  • The fastest way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for a different quote for each company. One form submission gets you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  • A different way to compare prices requires you to visit the website of each company to complete a price quote. For examples sake, we’ll pretend you want comparison quotes from State Farm, 21st Century and Geico. To get each rate you have to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  • The hardest method of getting rate comparisons is to waste gas driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the professional guidance that only a license agent can provide. However, consumers can comparison shop your insurance online and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage information with each company. If each company quotes unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your GMC Sierra 2500HD. Having just a slight variation in coverage limits may result in large price differences. Just keep in mind that more quotes provides better odds of finding the best price.

Slick advertising tricks that work

Auto insurance providers like State Farm and Allstate constantly bombard you with ads on TV and radio. They all make an identical promise that you’ll save big if you switch to their company. How can each company say the same thing?

Different companies can use profiling for the type of driver that is profitable for them. For instance, a desirable insured could be a mature driver, has no driving citations, and drives less than 7,500 miles a year. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t measure up to the requirements will have to pay a more expensive rate and ends up with the customer not buying. The ads say “customers that switch” not “people who quote” save that much money. That’s the way companies can make those claims.

Because of the profiling, it’s extremely important to get as many quotes as possible. Because you never know which auto insurance company will give you the biggest savings on GMC Sierra 2500HD insurance.

How much can you save with these nine discounts?

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Most are applied at the time of quoting, but less common discounts must be specifically requested in order for you to get them.

  • Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates on car insurance for SierraHD coverage.
  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% for SierraHD coverage.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application online.
  • Distant Student – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for SierraHD coverage with select insurance companies.
  • Multiple Vehicles – Insuring multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.

Drivers should understand that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. But any discount will bring down your overall premium however.

Car insurance companies who might offer these benefits are:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts may not apply in your state.

How much car insurance do I need?

When buying coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might point out if you would benefit from an agent’s advice.

  • Do I need special endorsements for business use of my vehicle?
  • Do I need higher collision deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why am I required to buy high-risk coverage?
  • Is my cargo covered for damage or theft?
  • Do I need an umbrella policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need motorclub coverage?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for X-ray expenses, dental work, hospital visits, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, damaging your car on a curb, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverages – This will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as funeral expenses, repair bills for other people’s vehicles, medical expenses and loss of income. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be a money saver!

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

We’ve covered many ideas to reduce 2002 GMC Sierra 2500HD insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even discover the most savings is with some of the smallest insurance companies.

Consumers switch companies for a number of reasons such as being labeled a high risk driver, denial of a claim, policy cancellation or delays in paying claims. Whatever your reason, finding a great new company is easier than you think.

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