2009 GMC Sierra 1500 Car Insurance Quotes – 5 Discounts for Cheaper Rates

Scraping up a payment for overpriced GMC Sierra 1500 insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to tighten up your finances.

Companies like Geico, Farmers Insurance and State Farm all claim big savings with catchy ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

You need to price shop coverage at least once a year since insurance rates tend to go up over time. Just because you had the best rates for Sierra insurance on your last policy other companies may now be cheaper. There is a lot of wrong information about auto insurance on the web, but we’re going to give you some great ideas on how to find affordable auto insurance.

Pay less by taking advantage of these five discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time you complete a quote, but a few must be inquired about before being credited.

  • Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Auto/Home Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Accident Forgiveness – Some insurance companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Sierra insurance with a few auto insurance companies.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies who might offer some of the above discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts might not apply in every state.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Does my insurance cover my expensive audio equipment?
  • What discounts do I qualify for?
  • Does having multiple vehicles earn me a discount?
  • Is business property covered if stolen from my car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I hit a deer?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Buyer beware of car insurance advertising tricks

Car insurance providers like Progressive, Geico, Allstate and State Farm constantly bombard you with ads on television and other media. They all say the same thing that you’ll save big if you switch your coverage to them. But how can every company claim to save you money?

Different companies have a certain “appetite” for the driver that makes them money. For example, a preferred risk could be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A driver who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Potential customers who don’t meet this ideal profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. This is how insurance companies can advertise the way they do.

This illustrates why drivers should get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings on GMC Sierra 1500 insurance.

Specific coverage details

Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

Liability coverage – Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover 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. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, pain and suffering, bail bonds, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision) – 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 coverage protects against claims like damage from flooding, a broken windshield and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like EMT expenses, doctor visits and nursing services. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Collision coverages – This will pay to fix damage to your Sierra 1500 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your GMC Sierra 1500.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Find Good Coverage for Less

We just showed you many tips how you can reduce 2009 GMC Sierra 1500 insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a small local company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

While you’re price shopping online, never buy poor coverage just to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

More information can be found below: