1994 GMC Sonoma Insurance Quotes

Want the cheapest auto insurance rates for your GMC Sonoma? Have you had enough of not being able to afford each month for car insurance? You are no different than many other drivers. Insurance companies such as Geico, Progressive and Allstate constantly blast consumers with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

If you are insured now or are looking for a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Buying car insurance is not that difficult. Drivers only need to know the tricks to compare rates online.

Do you qualify for discounts?

Companies don’t always publicize every available discount in a way that’s easy to find, so we researched some of the best known as well as the least known car insurance savings. If you aren’t receiving every discount possible, you are throwing money away.

Accident Free – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
Student Driver Training – Have your child take driver’s ed class in school.
E-sign – Certain companies give back up to $50 for buying a policy and signing up on their website.
Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Early Signing – Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
Multiple Policy Discount – If you have multiple policies with one company you may save approximately 10% to 15%.
Payment Method – By paying your policy upfront instead of making monthly payments you could save 5% or more.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies offering car insurance discounts, click this link.

Insurance Quote Comparison

Getting a lower price on 1994 GMC Sonoma insurance is a fairly straight forward process. You just need to take the time comparing price quotes provided by online insurance companies. This can be done in several different ways.

The best way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form eliminates the need for a different quote to each individual insurance company. Just one form gets rate comparisons instantly.
A more time consuming way to analyze rates is to take the time to go to the website for every company you want to comare to request a price quote. For instance, let’s say you want to compare Geico, Farmers and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples information on every quote you get. If your comparisons have mixed coverages it’s impossible to determine the lowest rate for your GMC Sonoma.

Your GMC Sonoma insurance rate is a complex equation

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with big savings.

Shown below are a few of the “ingredients” used by your company to calculate rates.

An active claims history can cost you – Companies provide lower rates to insureds who file claims infrequently. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Protect yourself with liability coverage – Liability insurance will protect you if a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
Don’t let your coverage lapse – Driving with no insurance can get your license suspended and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
Clean credit earns discounts – A driver’s credit rating is a important factor in your rate calculation. People with high credit ratings tend to be more responsible than drivers with lower credit ratings. If your credit can use some improvement, you could potentially save money when insuring your 1994 GMC Sonoma by repairing your credit.
More miles equals more premium – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage is showing the proper vehicle usage. Incorrect usage on your Sonoma may be wasting your money.
Drive a safer car and pay less – Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and thus lower rates. If the GMC Sonoma scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Policy add-ons can waste money – There are a ton of additional coverages that you can get tricked into buying when buying insurance. Coverages for rental car reimbursement, accidental death and motor club memberships are examples of these. They may seem like a good idea initially, but if you don’t need them eliminate them to save money.
Men are more aggressive – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Both sexes tend to get into accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high insurance rates.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight if your insurance needs may require specific advice.

Is upholstery damage covered by car insurance?
Do I pay less if my vehicle is kept in my garage?
What is medical payments coverage?
What can I do if my company denied a claim?
Do I need roadside assistance coverage?
Is extra glass coverage worth it?
What is PIP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Do you really save 40% when you switch?

Drivers constantly see and hear ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. All the companies make the same claim of big savings after switching to them.

How does each company say the same thing?

All companies are able to cherry pick for the driver that is profitable for them. For instance, a profitable customer might be profiled as between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who fall outside the “perfect” profile will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that much money. That is how insurance companies can make those claims. Because of the profiling, drivers must compare as many rates as you can. It’s impossible to know which auto insurance company will have the lowest GMC Sonoma insurance rates.

Car insurance coverage information

Understanding the coverages of car insurance can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Liability auto insurance – Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as emergency aid, bail bonds, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your GMC Sonoma.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a bird, vandalism, theft and hail damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision insurance pays for damage to your Sonoma resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, sustaining damage from a pot hole, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, ambulance fees, surgery, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop. Compare. Save.

Low-cost 1994 GMC Sonoma insurance can be found on the web as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.