How Much Does 1990 GMC Sierra 2500 Insurance Cost?

Want lower insurance coverage rates for your GMC Sierra 2500? Are you a victim of overpriced insurance coverage? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to get the lowest rate

You need to get comparison quotes periodically because insurance rates change regularly. Even if you think you had the best rates on Sierra insurance six months ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about insurance coverage because you’re going to learn how to use the internet to properly buy coverages and cut your premium.

Auto Insurance Prices Online

Finding a better price on auto insurance is not a difficult process. Consumers just need to take the time comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

Probably the best way to get quotes is to use a rate comparison form (click to open form in new window). This method keeps you from doing boring form submissions for each company. Completing one form gets rate comparisons from multiple low-cost companies.

A harder way to obtain and compare quotes online is to take the time to go to each individual company website and fill out their own quote form. For examples sake, we’ll assume you want rates from USAA, 21st Century and American Family. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

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

The least recommended method to get comparison rates is to drive around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional guidance only provided by licensed agents. However, consumers can find lower rates online but still have the advice of a local agent and we’ll talk about that later.

Which method you use is up to you, but make sure you use identical coverages for each price quote. If you are comparing different limits and deductibles on each one it will be impossible to determine which rate is truly the best.

GMC Sierra 2500 rates influenced by many factors

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for insurance. Knowing what determines base rates allows you to make educated decisions that can help you get lower insurance prices.

Shown below are a partial list of the pieces companies use to determine your rates.

  • Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Even one moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets get better rates than bad drivers. If you have serious violations like DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to continue driving.
  • An active claims history can cost you – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Companies provide better rates to drivers who are claim-free. Car insurance is intended for the large, substantial claims.
  • Sex matters – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both cause accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations such as reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • The more you drive the more you pay – Driving more miles in a year the higher your rates will be. Most insurance companies rate vehicles based on their usage. Autos not used for work or commuting can get a lower rate than those used for commuting. If your policy improperly rates your Sierra 2500 can result in significantly higher rates. Ask your agent if your insurance coverage properly reflects the proper vehicle usage, because it can save money.

You probably qualify for some discounts

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so here is a list some of the best known and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Keeping the miles down on your GMC could qualify for better rates on cars that stay parked.
  • No Accidents – Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Sierra insurance with select insurance companies.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Defensive Driver – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Sierra insurance than drivers with accident claims.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

To see a list of insurers with the best auto insurance discounts, click here.

There’s no such thing as the perfect policy

When buying the best insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions might point out whether you might need professional guidance.

  • Does my policy pay for OEM or aftermarket parts?
  • What is medical payments coverage?
  • Does coverage extend to Mexico or Canada?
  • Is a fancy paint job covered?
  • What is the minimum liability in my state?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage if my license is suspended?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Insurance specifics

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Collision coverages – This coverage pays for damage to your Sierra 2500 from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability – Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like repair costs for stationary objects, court costs and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your GMC Sierra 2500.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as funeral costs, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

What is YOUR best insurance company?

Budget-conscious 1990 GMC Sierra 2500 insurance is definitely available on the web and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance coverage companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

You just learned a lot of ways to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

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