1993 GMC Sonoma Insurance Quotes – 10 Ideas for Best Rates

Searching for cheaper car insurance rates for your GMC Sonoma? Beginners to comparing insurance rates online will find finding the lowest-priced car insurance is harder than they anticipated.

You should take the time to price shop coverage yearly because rates are rarely the same from one policy term to another. If you had the best deal on Sonoma coverage a couple years back you can probably find a better price now. You can find a lot of misleading information regarding car insurance online, so I’m going to show you some of the best ways to stop overpaying for insurance.

Buying car insurance is quite easy. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. But drivers can benefit from knowing the methods companies use to price online insurance and take advantage of how the system works.

Compare Quotes for Insurance

When shopping for insurance there are multiple ways of comparing price quotes from insurance companies in your area. The recommended way to find the cheapest 1993 GMC Sonoma insurance rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing repetitive form submissions for each company you want a rate for. A single form gets you price quotes direct from many companies. It’s definitely the quickest method.
  2. A slightly less efficient method to get comparison quotes is to take the time to go to each individual company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want comparison quotes from USAA, State Farm and Allstate. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The most time-consuming method of comparing rate quotes is to spend your day driving to different agent offices. Shopping for insurance online has reduced the need for local agents unless you require the professional guidance of a licensed agent. Drivers can comparison shop your insurance online and still use a local agent.

It’s up to you how you get prices quotes, just compare apples-to-apples deductibles and coverage limits for every company. If the quotes have mixed coverages it will be very difficult to find the best deal for your GMC Sonoma. Having just a slight variation in coverage limits may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes helps locate the best offered rates.

Don’t miss out on these ten money-saving discounts

Companies do not advertise every discount in an easy-to-find place, so we break down both well-publicized and the harder-to-find discounts you could be receiving.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Own a Home – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • College Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings might not be offered everywhere.

Do I need special coverages?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover if your insurance needs may require specific advice.

  • Does car insurance cover theft of personal property?
  • Do I need special endorsements for business use of my vehicle?
  • Is extra glass coverage worth it?
  • When should I remove comp and collision on my 1993 GMC Sonoma?
  • Is my 1993 GMC Sonoma covered for smoke damage?
  • What is UM/UIM insurance?
  • How much liability insurance is required?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Understanding the coverages of insurance aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for X-ray expenses, EMT expenses, funeral costs, rehabilitation expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others, 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. You might see liability 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 total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your GMC Sonoma.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, hail damage, vandalism, hitting a bird and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Shop around and save

The cheapest 1993 GMC Sonoma insurance is possible both online and with local insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

We covered many ways to lower your insurance rates. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a lesser-known regional company.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage and discovered at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.

Even more information is available at these sites: