Compare 1998 GMC Sonoma Insurance Cost

Have you had enough of scraping nickels together to pay high insurance coverage rates every month? You are no different than the majority of other people. Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurer and get the best coverage at the best rate

How much does insurance cost?

Shopping for lower insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many companies take part in a program where prospective buyers enter their policy data once, and each participating company provides a quote for coverage. This system prevents you from having to do form submissions to each individual insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to doing it this way is you can’t choose which insurance companies to get quotes from. So if you prefer to choose from a list of companies for rate comparison, we have a page of insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just try to keep the same coverage limits and deductibles for each quote you get. If the quotes have different data it will be very difficult to truly determine the lowest rate.

Discounts for cheaper car insurance rates

Companies that sell car insurance don’t always publicize every possible discount in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find ways to save on car insurance.

• Theft Prevention System – Cars with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Clubs and Organizations – Joining specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for car insurance.
• Military Deployment Discount – Having a deployed family member may lower your rates slightly.
• Discount for Swiching Early – A few car insurance companies give discounts for renewing your policy early. Ten percent is about the average savings.
• Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Resident Student – who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• No Accidents – Good drivers with no accidents have much lower rates as compared to accident-prone drivers.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction on Sonoma coverage depending on your car insurance provider.

You should keep in mind that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, it’s just not the way it works.

A list of companies and the discounts they provide can be read below.

• State Farm has savings for student away at school, accident-free, good driver, driver’s education, and anti-theft.
• Geico offers premium reductions for air bags, good student, driver training, daytime running lights, anti-lock brakes, membership and employees, and defensive driver.
• Progressive may offer discounts for multi-policy, online quote discount, continuous coverage, good student, and multi-vehicle.
• 21st Century policyholders can earn discounts including automatic seat belts, early bird, anti-lock brakes, good student, teen driver, and homeowners.
• American Family has discounts for air bags, mySafetyValet, Steer into Savings, early bird, TimeAway discount, accident-free, and good driver.
• The Hartford may include discounts for good student, air bag, bundle, vehicle fuel type, defensive driver, driver training, and anti-theft.
• AAA includes discounts for good driver, pay-in-full, good student, AAA membership discount, multi-car, anti-theft, and education and occupation.

If you are trying to find the cheapest auto insurance quotes, ask every prospective company how many discounts you can get. Savings might not be offered in your area. To see insurance companies that offer many of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there really is not a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

• How do I buy GAP insurance?
• Do all my vehicles need collision coverage?
• Should I buy more coverage than the required minimum liability coverage?
• I have a DUI can I still get coverage?
• Should I have a commercial auto policy?
• Why do I only qualify for high-risk insurance?
• Is my 1998 GMC Sonoma covered for smoke damage?
• If my pet gets injured in an accident are they covered?
• Does my 1998 GMC Sonoma qualify for pleasure use?
• Who is covered when they drive my 1998 GMC Sonoma?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance policy specifics

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for surgery, pain medications and hospital visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your GMC Sonoma.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, rolling your car, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from getting keyed, vandalism and fire damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.