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GMC Sierra 1500 Classic Insurance Rates

Shopping for auto insurance on the web saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can get the lowest prices.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. Cutting your Sierra 1500 Classic insurance cost isn't really that difficult. Drivers just need to take a couple of minutes comparing rates online from several insurance companies. This is very easy and can be done by completing this short form.

FREE Car Insurance Comparison

Insurance rates for a GMC Sierra 1500 Classic can vary widely and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Credit rating
  • Male rates may be higher
  • Low deductibles cost more
  • Safety rating of your Sierra 1500 Classic
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you own your home

One last important factor that will help determine the rate you pay on your GMC is the year of manufacture. New vehicles have a higher replacement value so the costs to repair can inflate annual premiums. Conversely, newer vehicles may have options such as pedestrian detection, active head restraints, and a backup camera which can give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability car insurance - This can cover damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Collision - Collision coverage covers damage to your GMC caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Sierra 1500 Classic collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are GMC Sierra 1500 Classic Insurance Rates?