1997 GMC Sierra 3500 Insurance Quotes

Want lower auto insurance rates for your GMC Sierra 3500? Feel like you’re a prisoner to overpriced auto insurance? Believe me, you are not the only one feeling buyer’s remorse. Having so many companies to choose from, it’s nearly impossible to choose the best insurance company.

Car Insurance Comparisons

There are multiple methods to compare 1997 GMC Sierra 3500 car insurance quotes, and some are more efficient than others. You can waste hours talking to agents in your area, or you could save time and use the web to quickly compare rates.

Most major companies participate in an industry program where prospective buyers enter their coverage request one time, and every company returns a rated price based on that data. This system prevents you from having to do form submissions for each company.

To find out how much you can save on car insurance click here (opens in new window).

The only downside to comparing rates this way is that you can’t choose the providers you want to price. If you wish to select from a list of companies to compare, we have assembled a list of car insurance companies in your area. Click here to view list.

However you get your quotes, compare the exact same coverages with each company. If you enter different liability limits then you won’t be able to determine which rate is truly the best.

Verify you’re getting all your discounts

Companies offering auto insurance don’t list every available discount very well, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Homeowners Savings – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home shows financial diligence.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
  • Drive Safe and Save – Safe drivers may save up to 50% more for Sierra insurance than their less cautious counterparts.
  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more depending on where you live.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.

Keep in mind that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurance companies offering insurance coverage discounts, click here to view.

Pieces of the GMC Sierra 3500 insurance rate puzzle

It’s important that you understand some of the elements that come into play when calculating your auto insurance rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to big savings.

The list below includes a few of the “ingredients” companies use to determine prices.

  • Where you live can impact rates – Residing in a small town can be a good thing when insuring your vehicles. Drivers who live in large cities have much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Traffic citations inflate rates – Your driving record has a big impact on rates. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation can bump up the cost forty percent or more. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Keep rates low by being claim-free – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Companies award cheaper rates to people who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • Pleasure use or commuting – The higher the mileage driven in a year the higher your rates will be. Almost all companies apply a rate determined by how the vehicle is used. Autos not used for work or commuting receive lower rates than those used for commuting. Improper usage on your Sierra 3500 may be wasting your money. Ask your agent if your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • Mature drivers pay less – Teenage drivers are known to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, file fewer claims and receive fewer citations.

When should I talk to an agent?

When buying the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out if you could use an agent’s help.

  • Why do I only qualify for high-risk insurance?
  • What exactly is covered by my policy?
  • Does coverage extend to my business vehicle?
  • Am I covered if my car is in a flood?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I have coverage when using my vehicle for my home business?
  • Is my 1997 GMC Sierra 3500 covered for flood damage?
  • Am I covered when driving a rental car?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Collision protection

Collision coverage pays for damage to your Sierra 3500 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, theft, damage from getting keyed and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This coverage can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, bail bonds, attorney fees and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your GMC Sierra 3500.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like rehabilitation expenses, dental work, chiropractic care, hospital visits and pain medications. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover 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

Save for a rainy day

The cheapest 1997 GMC Sierra 3500 insurance can be sourced from both online companies in addition to many insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are many occasions where drivers have reduced liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Additional articles