2003 GMC Sierra 3500 Car Insurance Quotes

Nobody enjoys paying for insurance, especially when they know they are paying too much. Since you have so many insurance providers from which to choose, it can be impossible to choose the lowest price insurance company.

You should take the time to shop coverage around before your policy renews because insurance rates trend upward over time. If you had the lowest premium rates for Sierra coverage last year other companies may now be cheaper. There is a lot of wrong information about insurance online, but by reading this article, you’re going to learn some tested techniques to save money.

Take advantage of every insurance discount

Car insurance companies do not list every possible discount in an easy-to-find place, so the list below details some of the more common and the harder-to-find insurance savings.

  • Defensive Driver Discount – Participating in a course in safe driver could earn you a small percentage discount and make you a better driver.
  • Discounts for Government Workers – Active or retired federal employment can save as much as 8% for Sierra coverage with a few insurance companies.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
  • Low Mileage Discounts – Low annual miles may allow you to get substantially lower insurancerates.
  • Accident Forgiveness – This one is not really a discount per se, but some companies like State Farm and Progressive allow you one accident before they charge you more for coverage if your claims history is clear prior to the accident.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts will positively reduce the premium cost.

Companies and some of the premium reductions they offer can be found below.

  • Progressive offers premium reductions for homeowner, online quote discount, continuous coverage, online signing, and good student.
  • The Hartford may have discounts that include air bag, vehicle fuel type, driver training, anti-theft, and defensive driver.
  • Mercury Insurance has discounts for multi-policy, accident-free, professional/association, age of vehicle, ease of repair, annual mileage, and location of vehicle.
  • GEICO offers discounts including daytime running lights, anti-lock brakes, multi-policy, good student, multi-vehicle, seat belt use, and membership and employees.
  • AAA includes discounts for good driver, pay-in-full, multi-policy, good student, multi-car, and education and occupation.
  • State Farm may include discounts for multiple policy, student away at school, defensive driving training, safe vehicle, and Steer Clear safe driver discount.

If you need lower rates, check with each insurance company to give you their best rates. Depending on the company, some discounts might not apply in your area.

Finding insurance coverage

Getting a cheaper price on 2003 GMC Sierra 3500 insurance is actually easier than you may think. The only requirement is to take time to compare free insurance coverage quotes to find out which insurance company has the cheapest insurance coverage quotes. This can be accomplished in several different ways.

  1. The most recommended method consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate quote forms for each company. One quote request will return price quotes from all major companies.
  2. A more time consuming way to compare prices is to take the time to go to the website of each company and go through the quote process again. For examples sake, let’s assume you want to compare rates from Allstate, Farmers and GEICO. To do that, you would have to spend time going to each site individually to input your insurance information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The hardest method of comparing rate quotes is actually driving to each insurance agency near you. The ability to buy insurance online eliminates the middleman unless you prefer the guidance that only an agent can give. Drivers can get prices online but still have the advice of a local agent.

It’s up to you which method you use, but be certain you are entering the same quote information on every quote you get. If you are comparing different data it’s impossible to get a fair rate comparison.

How to know if you need help

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you may require specific advice.

  • Is upholstery damage covered by car insurance?
  • Should I have combined single limit or split liability limits?
  • Does my 2003 GMC Sierra 3500 need full coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is UM/UIM insurance?
  • Do I have coverage if my license is suspended?
  • Is there coverage for injuries to my pets?
  • When should I not file a claim?
  • When should I drop full coverage on my 2003 GMC Sierra 3500?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Learn about insurance coverages for a GMC Sierra 3500

Learning about specific coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Collision coverage – Collision coverage covers damage to your Sierra 3500 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as prosthetic devices, dental work and ambulance fees. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability coverages – Liability insurance can cover damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, repair costs for stationary objects, bail bonds and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for 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, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance – This coverage pays to fix your vehicle from 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 insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Final considerations

Cheap 2003 GMC Sierra 3500 insurance can be found both online and from local insurance agents, so you should compare both to have the best rate selection. Some insurance companies may not offer online rate quotes and these smaller providers sell through local independent agents.

We’ve covered many ways to compare 2003 GMC Sierra 3500 insurance car insurance rates online. The key thing to remember is the more you quote insurance coverage, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from the smaller companies. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

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