1991 GMC Sierra 1500 Insurance Quotes

Looking for lower car insurance rates for your GMC Sierra 1500? Are you intimidated by the number of car insurance options? Lot’s of other consumers are too. You have so many options available that it can easily become a ton of work to locate the lowest price.

It’s a good habit to shop coverage around quite often due to the fact that insurance rates change quite often. Even if you got the best deal on Sierra coverage two years ago you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to find out one of the quickest ways to lower your rates without sacrificing coverage.

How to save on GMC Sierra 1500 insurance

Auto insurance companies don’t always list every discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known insurance savings.

  • Resident Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates when shopping for insurance on Sierra coverage.
  • Defensive Driver – Taking part in a driver safety course could cut 5% off your bill if your company offers it.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Sierra coverage with select insurance companies.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Own a Home – Being a homeowner may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.

Consumers should know that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

To see a list of providers offering insurance discounts, follow this link.

Finding Auto Insurance

To find the best auto insurance prices, there are several ways of comparing rates from different insurance companies. By far the easiest way to find competitive 1991 GMC Sierra 1500 insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form click to view form in new window. This easy form eliminates the need for multiple quote forms for each company. A single, simple form compares rates from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to shop for auto insurance online is to take the time to go to the website for every company you want to comare and request a quote. For instance, we’ll assume you want to compare Nationwide, 21st Century and Liberty Mutual. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

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

  3. The least efficient way to get comparison rates is driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you require the personal advice of a local agent. However, consumers can compare the best prices online but buy from a local insurance agent and we’ll talk about that later.

Whichever method you choose, ensure you are comparing the exact same quote information for every quote you compare. If the quotes have different limits and deductibles on each one you can’t possibly determine the best price for your GMC Sierra 1500. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that quoting more will increase your chances of finding lower pricing.

Parts of the GMC Sierra 1500 rate equation

Consumers need to have an understanding of the rating factors that help determine the rates you pay for insurance coverage. Understanding what determines base rates enables informed choices that will entitle you to better insurance coverage rates.

The following are some of the factors insurance coverage companies consider when setting prices.

  • Big city or small town – Living in less populated areas is a positive aspect when talking about insurance coverage. Lower population means fewer accidents and also fewer theft and vandalism claims. Urban drivers have more traffic problems and a longer drive to work. More time commuting means more change of being in an accident.
  • Save money with special equipment – Owning a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Always keep insurance in force – Allowing your insurance coverage policy to lapse is a fast way to bump up your insurance coverage costs. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.
  • Extra coverages can waste money – There are a lot of additional coverages that can waste your money if you aren’t careful. Coverages like roadside assistance, accident forgiveness and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so get rid of them and save.
  • Credit scores impact insurance coverage rates – Your credit history is a big factor in determining your rates. So if your credit is not that good, you could pay less to insure your 1991 GMC Sierra 1500 by improving your rating. People with good credit tend to be more responsible than drivers with lower credit scores.
  • Where do you drive? – The more you drive in a year’s time the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your insurance coverage policy is showing the correct driver usage. If your policy improperly rates your Sierra 1500 may be costing you.

Tailor your coverage to you

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

These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Why am I required to get a high-risk car insurance policy?
  • Is my trailer covered?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need rental car coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • If my 1991 GMC Sierra 1500 is totaled, can I afford another vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my friends covered when driving my car?

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

Car insurance coverages and their meanings

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for X-ray expenses, nursing services and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and fire damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – This coverage can cover damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for 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. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as repair costs for stationary objects, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Final thoughts

Cheaper 1991 GMC Sierra 1500 insurance can be found on the web as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. Too many times, someone dropped comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest price while still protecting your assets.

We just presented many ways to shop for insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the best price on car insurance is with a small mutual company.

More detailed car insurance information can be found by following these links: