View 1999 GMC Sierra 2500 Insurance Cost

Trying to find lower auto insurance rates for your GMC Sierra 2500? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, many consumers feel financially strained by their auto insurance policy.

You have multiple car insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, it can be more difficult to adequately compare rates.

Consumers need to get comparison quotes periodically since rates are constantly changing. Even if you got the lowest price on Sierra coverage a few years ago you will most likely find a better rate today. Starting right now, block out anything you think you know about auto insurance because I’m going to teach you the best methods to find better rates and still maintain coverage.

How to Get Insurance

When shopping for insurance there are multiple ways to compare rate quotes from local insurance companies. The best method to find competitive 1999 GMC Sierra 2500 insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  1. The first (and easiest) way to get quotes is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do separate quotation requests for each company. In just a few minutes this one form gets rate comparisons instantly.
  2. A slightly less efficient method to compare prices consists of going to each company’s website and fill out their own quote form. For example, we’ll assume you want to compare Liberty Mutual, Esurance and State Farm. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest way to get comparison rates is to spend time driving to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the personal advice of a local agent. Drivers can compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.

Whichever way you use, make darn sure you compare exactly the same coverage limits and deductibles on every quote you get. If you have different deductibles it’s impossible to determine the lowest rate for your GMC Sierra 2500. Having just a slight variation in insurance coverages may result in large price differences. And when price shopping your coverage, comparing a large number of companies will improve the odds of getting a better price.

Get lower rates on 1999 GMC Sierra 2500 insurance

Car insurance companies don’t always list every available discount in a way that’s easy to find, so we researched both well-publicized and the more hidden car insurance savings.

  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Organization Discounts – Belonging to a civic or occupational organization is a good way to get lower rates when buying car insurance on Sierra coverage.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Sierra coverage than their less cautious counterparts.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Homeowners Discount – Being a homeowner can help you save on car insurance because of the fact that having a home is proof that your finances are in order.

It’s important to understand that most discount credits are not given the the whole policy. Most only cut individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers offering car insurance discounts, follow this link.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Is business property covered if stolen from my car?
  • Is upholstery damage covered by car insurance?
  • What is PIP insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • How can I force my company to pay a claim?
  • Why is insurance for a teen driver so high?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage breakdown

Having a good grasp of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, rock chips in glass, hitting a deer, fire damage and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills such as surgery, pain medications, dental work, doctor visits and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance – This protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as loss of income, structural damage, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage – Collision coverage covers damage to your Sierra 2500 resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, crashing into a building, colliding with another moving vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your GMC Sierra 2500.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Saving money makes a lot of cents

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. In many cases, an insured cut physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Discount 1999 GMC Sierra 2500 insurance can be found both online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

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