2000 GMC Sierra 2500 Car Insurance Cost – 6 Tips to Save

Expensive car insurance can stress out your monthly budget and make it hard to pay other bills.

Due to the increasing number of insurance companies to choose from, it can be impossible to choose the cheapest car insurance company.

How much does insurance cost?

Most companies allow you to get coverage prices online. The process doesn’t take a lot of time because you just enter on the page. Once entered, the quote system will order credit information and your driving record and quotes a price based on the data you entered. Being able to quote online simplifies rate comparisons, but the time required to go to many different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you want to get the lowest price.

A less time-consuming method to lower your rates makes use of a single form to obtain quotes from several companies at one time. The form is fast, requires less work, and makes quoting online a little more enjoyable. As soon as you send your information, it is rated and you are able to buy any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

In order to compare pricing, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you enter the coverage information identical to your current policy. Using the same limits helps guarantee you are getting a price comparison for similar coverage.

Different people need different insurance coverage coverages

When choosing the best insurance coverage coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

  • What is PIP insurance?
  • Should I bundle my homeowners policy with my auto?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my babysitter covered when using my vehicle?
  • Do I need motorclub coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • When do I need to add a new car to my policy?
  • Why am I required to buy liability insurance?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Having a good grasp of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most auto insurance policies.

Liability coverage

This coverage provides protection from injuries or damage you cause to people or other 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.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, medical services and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive protection

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like pain medications, ambulance fees, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and 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

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra 2500.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comments About 2000 GMC Sierra 2500 Insurance

  1. In Woodard

    I live just outside Houston, TX. Compared rates from a lot of places. Saved about $20 a month. 21st Century was the cheapest for me. Insured with Hanover before. I even had a DUI years ago.

  2. Tyler Riddle

    Not sure what I should be paying. Located in Buffalo, New York. Compared quite a few companies. Saved right around $20 a month. GEICO was the cheapest for me. I have a couple other vehicles on the policy. They have free quotes online. I dropped full coverage awhile back.

  3. Cherry Benton

    I live east of Aurora, IL. Compared rates from a lot of places. Saved about $30 a month. Progressive was the most affordable for me. It’s easy to compare rates online now. Only insure liability on my GMC.

  4. Emilee David

    Quoted with Mercury for my 2000 GMC Sierra 2500 and am saving around $100 a year. I don’t put full coverage on it.

  5. Hulda Bean

    Lots of good stuff here. I’m in Hartford, Connecticut. Quoted with Travelers, AAA, Hanover, and Sentry for my Sierra 2500 and saved just over $100 a year. BTW speeding tickets are not good. Not sure if rates are cheaper online or through an agent. Not worth enough to pay for comprehensive and collision.

  6. Barry Richards

    Affordable car insurance is a myth. I’m in the west part of Rio Rancho, NM. Received rates from Progressive, American Family, and Farmers for my Sierra 2500 and saved just over $90 a year.

  7. Sadye Mcguire

    Anyone buy from AIG Insurance? I’m in Overland Park, KS.

  8. Kristina Prince

    From east side of Mobile, Alabama. Don’t remember every company but I ended up saving about $30 each month. They have a lot of discounts available. Get lots of quotes to find the best rate.

  9. Kathrin Bernard

    Cheap is not always the best policy. Proud to be from Concord, New Hampshire. Quoted prices online for a 2000 GMC Sierra 2500. Ended up at about $60 savings annually. Went with State Farm. I have a couple other vehicles on the policy. I got prices on the web.

  10. Miriam Mccormick

    Like your site, BTW. I’m in the suburbs of Tulsa, Oklahoma. Got prices from The General, Amica, Mercury, and a couple others for my 2000 GMC Sierra 2500 and saved just over $70 a year. Was with GMAC. I get a discount for insuring multiple vehicles. I’m thinking about dropping full coverage though.

  11. Alisia Small

    Lots of good stuff here. I live south of Fargo, ND. I quoted with Allstate, AIG Insurance, and some I forget for my 2000 GMC Sierra 2500 and saved just over $80 a year. Even increased coverage a bit. I only have liability coverage on it.

  12. Lucio Fernandez

    I compared a lot of rate quotes for a 2000 GMC Sierra 2500 in Kailua, HI. Ended up at roughly $70 every six months with Amica. Left Progressive to switch. Hardly afford to drive anymore.

  13. Christiana Dennis

    If you have a good history and live near Rochester, Minnesota, check out GEICO. They seem to be cheaper. Insured with Esurance before. You can get a rate quote online.

  14. Mina King

    This is too expensive. I live just to the west of Raleigh, NC. I compared lots of rates. Saved darn near $30 a month. Allstate was the cheapest for me. Even increased coverage a bit. I think I’ll get rid of full coverage next time.

  15. Royal Sosa

    Any companies in Columbia, South Carolina that will insure a DUI?

  16. Dawne Drake

    Will Allstate do a SR22 in Louisiana?

  17. Gerard Golden

    Corporate greed I’m telling you. I’m in the suburbs of Tucson, AZ. Got car insurance quotes from Allstate, AIG Insurance, and some I forget for my GMC and I think I cut my rates about $20 each month. Left Allstate to switch. Have an at-fault accident tho. I don’t put full coverage on it.

  18. Rubi Mcdaniel

    If you don’t have tickets and live around Nampa, ID, check out Allstate. You might get cheaper rates. I increased coverages a little too. Might find lower rates online. Only insure liability on my GMC.

  19. Mellie Barron

    Progressive was cheapest for my 2000 GMC Sierra 2500 in Cleveland, OH.