2011 GMC Sierra 2500HD Car Insurance Rates – 6 Ideas for Best Quotes

Searching for better insurance coverage rates? Consumers have lots of choices when looking for low-cost GMC Sierra 2500HD insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to get rate quotes. There are both good and bad ways to buy insurance coverage so you’re going to learn the best way to get price quotes for a GMC and locate the best price possible either online or from local insurance agents.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Drivers only need an understanding of the best way to buy insurance online.

The quickest method we recommend to compare insurance rates from multiple companies is to know the trick most of the bigger providers will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details like distance driven, if a SR-22 is needed, types of safety features, and if you lease or own. That information is instantly sent to multiple different insurance companies and you will get price comparisons very quickly.

To get price quotes for your car now, click here and enter your zip code.

More discounts mean lower-cost premiums

Not many people think insurance is cheap, but there may be some discounts that you may not know about. A few discounts will be applied when you complete an application, but some need to be specifically requested in order for you to get them.

  • Home Ownership Discount – Being a homeowner can save you money because of the fact that having a home requires a higher level of personal finance.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it can save substantially.
  • E-sign Discounts
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
  • Telematics Devices – Drivers that enable their company to look at vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot may see discounts as long as the data is positive.
  • Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts could cut 10% or more off the personal injury premium cost.

While discounts sound great, it’s important to understand that many deductions do not apply the the whole policy. Most only reduce specific coverage prices like comprehensive or collision. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.

If you would like to see a list of insurance companies who offer cheap car insurance quotes, click here to view.

It’s not one size fits all

When buying the best car insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the minimum liability in my state?
  • Can I make deliveries for my home business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover a custom paint job?
  • How high should deductibles be on a 2011 GMC Sierra 2500HD?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Specific coverages for a GMC Sierra 2500HD

Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage 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 coverage pays for claims such as crashing into a ditch, damaging your car on a curb, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from getting keyed, theft and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses like funeral costs, ambulance fees, pain medications, rehabilitation expenses and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This coverage protects you from damage or injury you incur to people or other property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as bail bonds, pain and suffering, repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” 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 Sierra 2500HD.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

The bottom line

The cheapest 2011 GMC Sierra 2500HD insurance is available from both online companies as well as from independent agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide online price quotes and many times these regional carriers prefer to sell through local independent agents.

Throughout this article, we presented many ways to compare 2011 GMC Sierra 2500HD insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier.

When getting auto insurance quotes online, you should never buy poor coverage just to save money. There have been many cases where an insured dropped full coverage only to regret at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

More information

Comments About 2011 GMC Sierra 2500HD Insurance

  1. Shirely Jacobson

    I’m in Baton Rouge, LA. I compared lots of rates. Saved right around $40 a month. State Farm was the most affordable for me. Just go online and compare their rates.

  2. Jannet Hyde

    I went with 21st Century at renewal. Best rates in Boise, Idaho. Was with Mercury. Thankfully I’m not a high risk driver. Did it all online.

  3. Palmer Hudson

    Lots of useful info here. I live east of Warwick, RI. Received quotes from Progressive, Hartford, and Erie for my 2011 GMC Sierra 2500HD and saved $481 a year. Was with MetLife.

  4. Adelaide Mercado

    From west side of Kailua, HI. Quoted prices online for a 2011 GMC Sierra 2500HD. Ended up at about $350 savings annually. Went with Allstate. Was with Encompass. Even increased my liability limits.

  5. Stevie Mcmahon

    Got pretty cheap 2011 GMC Sierra 2500HD insurance from State Farm in Greensboro, North Carolina.

  6. Annis Holman

    I compared a lot of rate quotes for a 2011 GMC Sierra 2500HD in Las Vegas, NV. Ended up at darn near $470 every six months with Auto-Owners. Left Esurance to switch. Moved home policy as well. Just go online and compare their rates.

  7. Chun Bernard

    If you have a clean record and live around Dallas, TX, check out Progressive. They seem to be cheaper. I increased coverages a little too. You can get a rate quote online.

  8. Mildred Medina

    Does GEICO insure after a DUI?