View 1998 GMC Sierra 3500 Insurance Cost

Trying to find cheaper car insurance rates for your GMC Sierra 3500? I can’t think of a single person who looks forward to buying car insurance, especially when the cost is way too high.

Big companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with advertising and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

You probably qualify for some discounts

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Most are applied when you quote, but a few must be inquired about before they will apply.

  • No Accidents – Claim-free drivers can earn big discounts as compared to frequent claim filers.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance because of the fact that having a home requires personal responsibility.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Sierra coverage than drivers with accident claims.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Sierra coverage with select insurance companies.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous. But all discounts will reduce your overall premium however.

A partial list of companies that may have these discounts may include but are not limited to:

Check with every prospective company how you can save money. Savings might not apply everywhere.

How to Get Cheap Insurance

To find the best insurance prices, there are several ways to compare rate quotes from insurance companies in your area. The simplest method to find the cheapest 1998 GMC Sierra 3500 insurance rates consists of shopping online. This is very easy and can be done in several different ways.

One of the best ways to get quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quotation requests for every insurance company. Just one form will return price quotes from insurance companies with the best prices.

Another way to compare prices is going to the website for every company you want to comare to complete their respective quote request forms. For example, let’s say you want to compare rates from State Farm, Esurance and Farmers. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The hardest way of getting rate comparisons is to spend your day driving to different agent offices. Shopping for insurance online makes this process obsolete unless you require the professional guidance only provided by licensed agents. It is possible to get prices online and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverages with every price quote. If you compare unequal deductibles or liability limits you will not be able to decipher which rate is best. Just a small difference in coverages may cause a big price difference. And when comparing insurance rates, know that getting more free quotes provides better odds of finding a lower rate.

There’s no such thing as the perfect policy

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Can I rent a car in Mexico?
  • What is the minimum liability in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when pulling a rental trailer?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance policy coverages for a 1998 GMC Sierra 3500

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists 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.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

This pays for damage to your Sierra 3500 resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, hitting a parking meter, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, rock chips in glass and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, X-ray expenses, EMT expenses, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance can cover damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, repair costs for stationary objects, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Smart consumers save more

Cheaper 1998 GMC Sierra 3500 insurance is possible online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We covered a lot of information how to get a better price on insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

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