1999 GMC Sierra Classic 3500 Car Insurance Cost – 6 Savings Tips

Are you sick and tired of not being able to afford to insure your GMC every month? You are no different than most other car owners.

Multiple insurers compete for your hard-earned dollar, so it’s not easy to compare every insurance company to find the absolute best price available.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Finding affordable coverage is not that difficult. But drivers can benefit from knowing how the larger insurance companies determine prices.

Insurance Quote Comparison

To find the best insurance prices, there are several ways to compare rate quotes from different insurance companies. The fastest way to compare 1999 GMC Sierra Classic 3500 insurance prices is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the best ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This form saves time by eliminating boring form submissions for every insurance company. Filling out one form gets you price quotes instantly.
  2. A different way to compare rate quotes consists of visiting each individual company website and complete a new quote form. For instance, we’ll pretend you want comparison quotes from Allstate, State Farm and Progressive. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but compare exactly the same coverage limits and deductibles for every company. If you use mixed coverages it’s not possible to determine the best price for your GMC Sierra Classic 3500. Having just a slight variation in insurance coverages could mean much higher rates. It’s important to know that getting more free quotes helps locate better pricing.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your situation will benefit from professional help.

  • Do I need replacement cost coverage?
  • Can my teen drive my company car?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much underlying liability do I need for an umbrella policy?
  • Should I waive the damage coverage when renting a car?
  • What discounts do I qualify for?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Educate yourself about auto insurance coverages

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, fire damage, damage from getting keyed and vandalism. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your GMC Sierra Classic 3500.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses such as dental work, rehabilitation expenses, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for 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 means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.