Compare 1997 GMC Sonoma Car Insurance Quotes

Trying to find cheaper auto insurance rates for your GMC Sonoma? Nobody I know likes paying for auto insurance, especially when their premiums are through the roof. Consumers have many car insurance companies to choose from, and although it’s a good thing to have a choice, it can be more difficult to compare rates.

Buying car insurance is easy if you know what you’re doing. If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to find the best rates while maintaining coverages. Drivers only need an understanding of the tricks to find the lowest price over the internet.

How to Buy Insurance Online

Finding a better price on insurance can be quick and easy. All that’s required is to spend a few minutes on the computer to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

1. Probably the best way consumers can analyze rates is a comparison rater form (click to open form in new window). This easy form eliminates the need for multiple quote forms for every insurance company. One quote request gets you coverage quotes from many national carriers.
2. A less efficient way to get comparison quotes requires a visit to each company’s website to complete their respective quote request forms. For example, we’ll assume you want comparison quotes from Nationwide, State Farm and Allstate. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is quicker.

   To view a list of companies in your area, click here.

3. The hardest method of comparing rate quotes is driving around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional guidance that only a license agent can provide. It is possible to price shop your coverage online and get advice from an agent in your area. We’ll cover that shortly.

It’s your choice how you get your quotes, but compare identical coverages and limits with each company. If you use unequal deductibles or liability limits you can’t possibly determine the best price for your GMC Sonoma.

Do I just need basic coverages?

When buying the best insurance coverage coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine if you will benefit from professional help.

• Does my liability insurance cover pulling a trailer or camper?
• Am I covered if I wreck a rental car?
• Does my policy cover my teen driver if they drive my company car?
• How many claims can I have before being cancelled?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What if I owe more than I can insure my car for?
• What can I do if my company won’t pay a claim?
• Do I need replacement cost coverage?
• How does medical payments coverage work?
• Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverage considerations

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Liability coverage

This will cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, rolling your car, crashing into a building, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your GMC Sonoma.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like rehabilitation expenses, nursing services, doctor visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, hitting a deer, a tree branch falling on your vehicle and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.