1991 GMC Sonoma Insurance Quotes

Looking for the cheapest insurance rates for your GMC Sonoma? Finding lower premiums on insurance is always difficult for consumers not familiar with shopping for insurance online. There are so many options available that it can quickly become a challenge to find lower rates.

Save money by taking advantage of these discounts

Auto insurance companies don’t always list every discount very clearly, so we took the time to find some of the more common as well as the least known insurance coverage savings.

  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Homeowners Savings – Owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Paperless Signup – Certain companies will give a small break for buying your policy on their website.
  • Low Mileage – Fewer annual miles on your GMC could qualify for better rates on cars that stay parked.

It’s important to note that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

For a list of insurers who offer insurance coverage discounts, follow this link.

When should I use an insurance agent?

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • Is upholstery damage covered by car insurance?
  • Do I need replacement cost coverage?
  • When should I remove comp and collision on my 1991 GMC Sonoma?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I crash into my own garage door?
  • Where can I find DUI or SR-22 insurance?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Can switching companies really save?

Progressive, Geico, Allstate and State Farm regularly use television and radio advertisements. All the companies make an identical promise of big savings if you move your policy. How does each company say the same thing?

All the different companies are able to cherry pick for the type of driver that is profitable for them. An example of a profitable customer could be between the ages of 40 and 55, has no prior claims, and drives less than 7,500 miles a year. A customer who meets those qualifications will get the preferred rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t qualify for the “perfect” profile must pay a more expensive rate and ends up with the customer not buying. Company advertisements say “people who switch” not “people who quote” save money. That is how insurance companies can confidently advertise the way they do. This illustrates why you need to get as many comparisons as possible. It’s just too difficult to predict which company will fit your personal profile best.

Coverage specifics

Knowing the specifics of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, fire damage, vandalism and rock chips in glass. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as court costs, structural damage, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for ambulance fees, pain medications, doctor visits and nursing services. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision protection

This coverage will pay to fix damage to your Sonoma from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, sideswiping another vehicle, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your GMC Sonoma.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Never pay more for less

Lower-priced 1991 GMC Sonoma insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

We’ve covered some good ideas how to reduce insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the smallest insurance companies.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Additional information can be read at these links: