2003 GMC Sonoma Insurance Rates

Trying to find cheaper auto insurance rates for your GMC Sonoma? If you’re new to shopping for auto insurance online, you may be overwhelmed by the large number of online auto insurance companies and websites vying for business.

Take discounts and save

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find car insurance savings.

  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Sonoma coverage.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Accident Forgiveness – Certain companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Student in College – Any of your kids who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Sonoma coverage with select insurance companies.

It’s important to note that some credits don’t apply to the entire cost. Most only reduce individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, car insurance companies aren’t that generous.

To see a list of companies with discount car insurance rates, follow this link.

Which policy gives me the best coverage?

When buying coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Are rock chip repairs covered?
  • How much liability insurance is required?
  • Do I really need UM/UIM coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is other people’s property covered if stolen from my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if my car is in a flood?
  • Where can I find high-risk insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage breakdown

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage, damage from a tornado or hurricane, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage will pay to fix damage to your Sonoma resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, rolling your car, sideswiping another vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, surgery and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your GMC Sonoma.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability auto insurance

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as pain and suffering, funeral expenses, bail bonds and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Smart consumers save more

Insureds switch companies for any number of reasons including policy non-renewal, policy cancellation, delays in responding to claim requests and high rates after DUI convictions. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured cut liability limits or collision coverage only to regret that the savings was not a smart move. Your goal should be to purchase plenty of coverage at the best price while still protecting your assets.

You just learned a lot of information how to lower your 2003 GMC Sonoma insurance rates. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from the least-expected company.

Even more information is available at these sites: