2009 GMC Sierra 1500 Insurance Rates – 6 Savings Tips

Looking for lower insurance rates for your GMC Sierra 1500? Finding low-cost insurance for a GMC Sierra 1500 can normally be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare insurance rates and we’ll show you the proper way to compare rates for a GMC and get the cheapest rates either online or from local insurance agents.

Cut your premium with these six discounts

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Defensive Driver – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Sierra coverage than their less cautious counterparts.
  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Sierra coverage depending on your company.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of companies who offer insurance discounts, click here.

Automobile Insurance Quotes

Shopping for lower insurance coverage rates can take time and effort if you don’t know the best way to get rate quotes. You could spend your day discussing policy coverages with agents in your area, or you could save time and use online quotes to get prices fast.

All the larger companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company then returns a price quote based on that information. This system prevents you from having to do repetitive form submissions to each individual insurance coverage company.

To participate in this free quote system, click here (opens in new window).

The single downside to pricing coverage this way is you are unable to specify the providers you will receive quotes from. So if you want to select specific providers to compare rates, we put together a list of insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but compare apples-to-apples coverage limits for each comparison quote. If you use unequal deductibles or liability limits it will be very difficult to determine the best price for your GMC Sierra 1500.

What is the best insurance coverage?

When choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can help discover if you could use an agent’s help.

  • What can I do if my company denied a claim?
  • Are my tools covered if they get stolen from my vehicle?
  • Which is better, split liability limits or combined limits?
  • Do all my vehicles need collision coverage?
  • Why am I required to buy liability insurance?
  • Am I better off with higher deductibles on my 2009 GMC Sierra 1500?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Ads can be misleading

Consumers can’t ignore all the ads for car insurance savings by companies like GEICO, State Farm and Progressive. They all say the same thing that you can save if you move to them.

How do they all make almost identical claims?

All the different companies can use profiling for the right customer that is profitable for them. A good example of a desirable insured could possibly be a mature driver, owns a home, and drives less than 7,500 miles a year. Any new insured who matches those parameters will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Consumers who don’t measure up to the “perfect” profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that much. That is how insurance companies can confidently claim big savings. Because of the profiling, drivers should get as many comparisons as possible. It is impossible to predict which insurance companies will have the lowest GMC Sierra 1500 insurance rates.

Car insurance 101

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision protection

This covers damage to your Sierra 1500 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox, backing into a parked car and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like chiropractic care, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, damage from getting keyed and theft. The most a 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 removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your GMC Sierra 1500.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Cheaper insurance is a realistic goal

Discount 2009 GMC Sierra 1500 insurance can be purchased on the web and with local insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Insureds change insurance companies for any number of reasons including delays in paying claims, policy non-renewal, unfair underwriting practices or high rates after DUI convictions. Regardless of your reason, finding a great new company is easier than you think.

Throughout this article, we presented many ideas to lower your insurance rates. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. Drivers may discover the most savings is with some of the smallest insurance companies.

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