Cheap 2008 GMC Sierra 3500HD Insurance Quotes

Scraping up a payment for overpriced GMC Sierra 3500HD insurance can diminish your savings account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to lower your monthly bill.

Insurance companies such as State Farm and GEICO increase brand awareness with ads and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

Smart consumers take time to get comparison quotes quite often because car insurance prices change quite often. Despite the fact that you may have had the best deal for SierraHD coverage a few years ago a different company probably has better premium rates today. Forget all the misinformation about car insurance because you’re about to find out the only way to find great coverage at a great price.

Decisions you make can impact your insurance premiums

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that are used to determine insurance coverage rates. If you understand what determines premiums, this empowers consumers to make smart changes that will entitle you to big savings. Multiple criteria are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, but some are not quite as obvious such as your credit history or how safe your car is.

  • Male prices may be higher – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men cause auto accidents at about the same rate, but the male of the species have accidents that have higher claims. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving. Male teenagers are most likely to cause an accident so they pay the highest premiums.
  • You might want pay the minor insurance claims yourself – If you frequently file small claims, you shouldn’t be surprised to get higher rates. Companies generally give cheaper rates to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Rate your vehicle for proper use – The higher the mileage driven every year the higher the price you pay to insure it. Many insurance companies calculate rates determined by how the vehicle is used. Cars that are left in the garage receive better premium rates compared to those used for work or business. Improper usage on your Sierra 3500HD may be wasting your money. Ask your agent if your insurance coverage coverage states the correct driver usage, because it can save money.
  • Being married brings a discount – Having a spouse may earn you lower rates compared to being single. Having a spouse is viewed as being more mature than a single person and statistics prove married drivers get in fewer accidents.
  • Lower rates for vehicles with better crash test results – Vehicles that have high safety ratings tend to have better insurance rates. Safe vehicles reduce occupant injuries and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums. If the GMC Sierra 3500HD is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Location can modify price – Having an address in small towns and rural areas may provide you with better prices when talking about insurance coverage. Urban drivers regularly have more aggressive driving styles and a longer drive to work. Lower population corresponds to lower accident rates and lower theft and vandalism rates.
  • Never let your insurance coverage lapse – Not having insurance is a misdemeanor and companies may charge more for letting your coverage cancel without a new policy in place. And not only will your rates increase, being ticketed for driving with no insurance may earn you fines or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Bad credit hurts insurance costs – A driver’s credit history can be an important factor in determining your rates. Insureds with excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with bad credit. If your credit can be improved, you could be paying less to insure your 2008 GMC Sierra 3500HD by taking the time to improve your credit score.

Auto Insurance Discounts

Car insurance can cost a lot, but you might already qualify for some discounts that may help make it more affordable. Some discounts apply automatically when you complete an application, but some discounts are required to be requested specifically in order for you to get them. If you aren’t receiving every discount possible, you are just wasting money.

  • Service Members Pay Less – Having an actively deployed family member could be rewarded with lower auto insurance rates.
  • Resident Student – who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
  • Accident-Free Discounts – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
  • Discount for Swiching Early – A few larger companies offer discounts for buying a policy before your current coverage expires. You may see this discount when you get car insurance quotes online.
  • Multiple Vehicles – Drivers who insure all your vehicles on one policy can get a discount on all vehicles.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more.
  • Smart Student Discounts – This discount can save 20 to 25%. The good student discount can last until age 25.

We need to note that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, you won’t be that lucky.

A few of the larger companies and some of their more popular discounts include:

  • State Farm has savings for passive restraint, Drive Safe & Save, driver’s education, anti-theft, and Steer Clear safe driver discount.
  • American Family discounts include good driver, defensive driver, TimeAway discount, Steer into Savings, good student, accident-free, and multi-vehicle.
  • GEICO offers discounts for federal employee, multi-vehicle, emergency military deployment, driver training, seat belt use, five-year accident-free, and anti-theft.
  • 21st Century policyholders can earn discounts including air bags, student driver, homeowners, anti-lock brakes, driver training, and early bird.
  • Progressive may have discounts that include multi-policy, online quote discount, continuous coverage, multi-vehicle, good student, online signing, and homeowner.

If you want affordable car insurance quotes, ask each company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to choose from a list of auto insurance companies who offer free auto insurance quotes, follow this link.

Insurance advertising tricks

Auto insurance companies such as Allstate, GEICO and Progressive consistently run ads on television and other media. They all seem to make the point about how much you will save just by switching your auto insurance policy to them. How do they all charge less that you’re paying now? Just pay attention to how they say it.

Different companies have specific criteria for the type of driver that is profitable for them. One example of a profitable customer should be a mature driver, has no prior claims, and drives less than 7,500 miles a year. Someone that hits that “sweet spot” gets the lowest premium rates as well as cut their rates substantially.

Potential customers who do not meet the ideal profile will be charged higher prices which usually ends up with business not being written. Company advertisements say “customers that switch” but not “all drivers who get quotes” save money. That is how companies can make those claims.

Each company has different criteria, so it’s extremely important to get as many free car insurance quotes as possible. It’s just not possible to know with any certainty which company will have the lowest premium rates for your situation.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether or not you might need professional guidance.

  • Do I pay less for low miles?
  • Should I rate my 2008 GMC Sierra 3500HD as pleasure use or commute?
  • Which companies will insure high-risk drivers?
  • Do I need more liability coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Does medical payments coverage apply to all occupants?
  • Can I rent a car in Mexico?
  • How do I insure my teen driver?
  • Do I benefit by insuring my home with the same company?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage information

Having a good grasp of a car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Collision coverage – Collision coverage covers damage to your Sierra 3500HD resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, sideswiping another vehicle, damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your GMC Sierra 3500HD.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for doctor visits, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover 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

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from getting keyed, falling objects, fire damage and a broken windshield. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, medical services and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

What is YOUR best insurance company?

Budget-conscious 2008 GMC Sierra 3500HD insurance is possible on the web and with local insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not offer the ability to get a quote online and many times these regional carriers prefer to sell through local independent agents.

We’ve covered many ways to lower your 2008 GMC Sierra 3500HD insurance prices. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with an unexpected company. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

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Comments About 2008 GMC Sierra 3500HD Insurance

  1. Carley Murray

    Can I get replacement cost coverage for a 2008 GMC Sierra 3500HD?

  2. Bernita Anthony

    If you have a good history and live near Mesa, AZ, check out 21st Century. I saved quite a bit. Left GEICO to switch.

  3. Edgardo Richardson

    Is Progressive or Allstate cheaper in Madison, Wisconsin?

  4. Tayna Castro

    Liked the article. From a town just southwest of Raleigh, NC. Quoted with Liberty Mutual, Amica, Sentry, and a couple others for my GMC and saved about $240 a year. My new agent seems to be really good. Online quotes are the way to go.

  5. Louis Poole

    I was with Hartford last year but switched to Allstate. From Hartford, CT.

  6. Krystin Pearson

    Anyone know of any company in Newark, DE that will insure high risk drivers?

  7. Jewell Morrow

    What is Underinsured Motorist coverage?

  8. Alline Best

    I can’t pay high rates. Located in Idaho Falls, ID. Compared quite a few companies. Saved darn near $60 a month. Progressive was the cheapest option for me.

  9. Evangeline Swanson

    Does State Farm do SR22s in Michigan?