How Much Does 2007 GMC Sierra 2500HD Classic Insurance Cost?

Trying to find cheaper auto insurance rates for your GMC Sierra 2500HD Classic? Searching for cheaper insurance for your GMC Sierra 2500HD Classic can be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to buy auto insurance so we’re going to tell you the best way to quote coverages on a GMC and find the best price possible from both online companies and local agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a current car insurance policy or need new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Consumers just need to know the proper methods to get comparison quotes over the internet.

Insurance Coverage Discounts

Companies offering auto insurance do not advertise all available discounts very well, so here is a list both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Save over 55 – Drivers over the age of 55 can possibly qualify for a small discount on rates on SierraHD Classic coverage.
  • Switch and Save Discount – A few companies give discounts for switching to them early. You could save around 10% when you buy auto insurance online.
  • Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
  • Telematics Devices – Insureds that choose to allow their insurance coverage company to scrutinize when and where they use their vehicle by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.
  • Safety Course Discount – Participating in a course teaching driver safety skills may get you a small discount and easily recoup the cost of the course.

Consumers should know that some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.

A list of companies and some of their more popular discounts are included below.

  • The Hartford policyholders can earn discounts including good student, driver training, vehicle fuel type, air bag, and anti-theft.
  • American Family offers discounts including good driver, defensive driver, good student, air bags, multi-vehicle, and mySafetyValet.
  • Progressive may include discounts for good student, multi-vehicle, online signing, online quote discount, continuous coverage, homeowner, and multi-policy.
  • Travelers offers discounts for payment discounts, save driver, good student, driver training, and new car.
  • Farmers Insurance has savings for bundle discounts, homeowner, mature driver, distant student, teen driver, and business and professional.
  • USAA has discounts for multi-policy, military installation, driver training, loyalty savings, and vehicle storage.
  • Liberty Mutual may have discounts that include new vehicle discount, newly married, good student, newly retired, and new move discount.

Before you buy a policy, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policies in your area. To view providers that provide some of the discounts listed above, follow this link.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether you might need professional guidance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Do all my vehicles need collision coverage?
  • How do I buy GAP insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I drive in Mexico and have coverage?
  • Should I sign the liability waiver when renting a car?
  • What discounts do I qualify for?
  • If my pet gets injured in an accident are they covered?
  • At what point should I drop full coverage?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Is there deception in advertising?

Consumers can’t get away from all the ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies try to convey promises that people will save if you switch your insurance coverage coverage to their company.

That’s great but how can every company say the same thing? Just pay attention to how they say it.

Many companies give the best rates for the type of insured that will not have excessive claims. A good example of a preferred risk should be between the ages of 30 and 50, has never had a policy lapse, and has a short commute. Anybody that hits that “sweet spot” will get a cheap rate quote and as a result will probably save when switching.

Drivers who may not quite match the requirements will be charged a higher rate and the customer not buying. The wording the ads use say “people that switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can confidently make claims that they all have the best rates. This really illustrates why you need to compare price quotes frequently. It’s not possible to predict with any certainty which company will provide you with the cheapest prices.

Car insurance coverage information

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision coverage protection

This coverage covers damage to your Sierra 2500HD Classic resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2007 GMC Sierra 2500HD Classic.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses such as pain medications, X-ray expenses, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, a broken windshield, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance can cover damage that occurs to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like medical services, medical expenses and attorney fees. How much coverage you buy is a personal decision, but buy as large an amount as possible.

More effort can pay off

As you quote auto insurance, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

Budget-conscious 2007 GMC Sierra 2500HD Classic insurance can be bought both online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies may not provide online price quotes and many times these small, regional companies prefer to sell through independent agencies.

We just covered a lot of ways to shop for 2007 GMC Sierra 2500HD Classic insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with the least-expected company.

Additional auto insurance information is located below:

Comments About 2007 GMC Sierra 2500HD Classic Insurance

  1. Sherice Boyle

    I got quite a few price quotes for a 2007 GMC Sierra 2500HD Classic in Aurora, Illinois. Ended up at about $560 every six months with AIG Insurance. Left Sentry to switch. I’m a pretty low risk driver. I used their website to get prices.

  2. Hellen Giles

    I’ve had 21st Century for years. I’m in Grand Rapids, MI.

  3. Karen Hurley

    I’m in the east part of Green Bay, WI. Don’t remember every company but I ended up saving about $70 each month. Even increased my liability limits.

  4. Rosaline Parker

    I’m in the north part of Springfield, MO and for me Allstate had the lowest quote. I got a quote from their website.

  5. Lydia Shields

    I’m from Providence, RI. I quoted with USAA, Auto-Owners, Hartford, and Mercury for my GMC and saved around $320 a year. Was with USAA. Highly recommended.

  6. Basilia Knox

    When should I drop comp and collision?

  7. Charles Richard

    I live east of Columbia, South Carolina. Quoted with AIG Insurance, Nationwide, and Western Auto Insurance for my Sierra 2500HD Classic and saved just over $390 a year. Insured with Hartford before. My new agent seems to be really good. Still almost need a second mortgage.

  8. Josie Holland

    Great info, thanks for posting. I’m in the suburbs of Worcester, MA. Got car insurance quotes with GEICO, GMAC, and Encompass for my GMC and saved $510 a year.

  9. Digna Wooten

    Lots of useful info here. From West Valley City, Utah. Quoted with Progressive, American Family, and some I forget for my Sierra 2500HD Classic and I think I cut my rates about $70 each month. :P

  10. Alvin Britt

    I chose to switch to 21st Century from American Family. I live in Juneau, AK. I have kids on my policy, too. Just go online and compare their rates.

  11. Erinn Hancock

    This is too expensive. Lifelong resident of Rio Rancho, NM. Quoted a bunch of companies. Saved right around $40 a month. Progressive was the best choice for me.

  12. Queen Gross

    Liked the article. I live in Buffalo, NY. I compared lots of rates. Saved about $50 a month. Allstate was the most affordable for me. Insured with USAA before. Online quotes are the way to go.

  13. Naomi Ortiz

    Great site. I live just to the west of Shreveport, LA. Quoted with Hanover, Auto-Owners, Sentry, and a couple others for my Sierra 2500HD Classic and I’m now saving $18 a month. Good multi-policy discounts. :)

  14. Davina Harmon

    Great site. I’m just west of Great Falls, MT. Received quotes from Travelers, AIG Insurance, Hanover, and MetLife for my GMC and I’m now saving $45 a month. Insured with Mercury before. I even had a DUI years ago.

  15. Natalya Bruce

    I’m from Memphis, TN. I compared lots of rates. Saved about $30 a month. Allstate was the cheapest option for me. Was with Allstate. Just waiting to see how claims go.

  16. Florrie Mosley

    It’s all a rip off. From a town just southwest of South Burlington, Vermont. Quoted quotes with Progressive, AAA, Eastwood, and The General for my Sierra 2500HD Classic and saved $356 a year. Was with Erie.

  17. Ashley Cain

    Like your site, BTW. From a town just southwest of Grand Rapids, Michigan. Not sure of all the companies but I ended up saving about $70 each month. Insured with 21st Century before.

  18. Marlen Kline

    Went with Progressive for my Sierra 2500HD Classic and saved about $390 a year. Insured with Encompass before. Not sure if rates are cheaper online or not.