View 2003 GMC Sierra 3500 Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your GMC Sierra 3500? Searching for cheaper insurance for a new or used GMC Sierra 3500 can normally be difficult, but you can use the following methods and make it easy. There is a better way to compare insurance coverage rates so we’re going to tell you the proper way to quote coverages on a GMC and locate the lowest price from local insurance agents and online providers.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t list all their discounts in an easy-to-find place, so we break down some of the best known and the more hidden savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.

  • 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%.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Sierra insurance with select insurance companies.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because owning a home demonstrates responsibility.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most cut specific coverage prices like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

To see a list of providers offering auto insurance discounts, click here to view.

Do I need special coverages?

When it comes to buying coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Are split liability limits better than a combined single limit?
  • Can my babysitter drive my car?
  • What if I total my 2003 GMC Sierra 3500 and owe more than it’s worth?
  • What are the financial responsibility laws in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I break a side mirror?
  • Should I buy full coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Do drivers who switch really save?

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Geico and Progressive. All the companies have a common claim about savings if you switch to them.

But how can every company make the same claim?

Insurance companies can use profiling for the type of customer that is profitable for them. A good example of a preferred risk could be between 25 and 40, is a homeowner, and has a short commute. A customer who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who do not match these standards will be quoted higher premiums which usually ends up with the customer not buying. The ads state “people who switch” not “everyone that quotes” save that much money. That is how insurance companies can advertise the savings. This emphasizes why you should compare as many rates as you can. It’s impossible to know which auto insurance company will fit your personal profile best.

Insurance coverages explained

Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverages

This will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, 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 can pay for claims like funeral expenses, medical services, court costs, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, theft and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like dental work, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Sierra 3500 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Make an honest buck

Insureds switch companies for many reasons like questionable increases in premium, policy cancellation, delays in responding to claim requests or an unsatisfactory settlement offer. Whatever your reason, choosing a new company can be easier than you think.

In this article, we covered quite a bit of information on how to reduce 2003 GMC Sierra 3500 insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small mutual company.

Lower-priced insurance can be found on the web and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

More detailed insurance information is available in these articles: