Cheaper 2012 GMC Sierra 3500HD Insurance Quotes

Buyers have lots of choices when searching for the best price on GMC Sierra 3500HD insurance. You can either spend your time driving around getting price quotes or save time using the internet to get rate quotes. There is a better way to find insurance online so we’re going to tell you the absolute fastest way to get price quotes for a GMC and locate the lowest possible price from local insurance agents and online providers.

These discounts can lower your insurance coverage quotes

Companies that sell car insurance do not advertise every possible discount in an easy-to-find place, so we took the time to find a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online.

  • Driver Safety – Passing a class that teaches safe driver techniques can save you 5% or more if you qualify.
  • More Vehicles More Savings – Having primary and secondary vehicles with one company could earn a price break for each car.
  • Early Signing – Some larger companies reward drivers for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
  • Claim-Free Discount – Drivers who stay claim-free can earn big discounts in comparison with policyholders that have many claims.
  • Active Military Service – Having a family member in the military could qualify you for better prices.
  • Auto/Home Discount – If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will help lower the amount you have to pay.

If you would like to see a list of providers that can offer you the previously mentioned discounts, click this link.

Different people need different car insurance coverages

When it comes to choosing the best car insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • What is medical payments coverage?
  • Do I need rental car coverage?
  • Do I benefit by insuring my home with the same company?
  • Is my ex-spouse still covered by my policy?
  • Why am I required to buy high-risk coverage?
  • Does coverage extend to my business vehicle?
  • If I drive on a suspended license am I covered?
  • Is my dog or cat covered if injured in an accident?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance advertising tricks

Drivers can’t get away from all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the ads advertise the message that you can save just by switching to them.

That’s great but how can every company charge lower premium rates? Here is the trick they use.

Car insurance companies quote their best rates for the type of driver that will not have excessive claims. For example, a desirable insured might be described as a married male, has a clean driving record, and drives a lower-performance vehicle. Any customer who fits those characteristics will probably get cheap prices and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for those criteria will probably be forced to pay a more expensive rate and this results in the customer buying from someone else. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can truthfully advertise the savings. This really drives home the point why it is so important to do a rate comparison at every renewal. It’s just not possible to know which company will have the lowest prices for your situation.

Insurance specifics

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision coverage

This covers damage to your Sierra 3500HD resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, hitting a mailbox, driving through your garage door, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, hitting a deer, a broken windshield, theft and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Sierra 3500HD.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $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.

Liability coverage pays for claims such as loss of income, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills such as EMT expenses, X-ray expenses, surgery, rehabilitation expenses and hospital visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage on a shoestring budget

Consumers leave their current company for many reasons like delays in responding to claim requests, lack of trust in their agent, questionable increases in premium or even being labeled a high risk driver. No matter why you want to switch, switching auto insurance companies can be easy and end up saving you some money.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

There are still a few companies who do not offer the ability to get quotes online and usually these small insurance companies only sell coverage through independent agents. Cheaper auto insurance is definitely available on the web and with local insurance agents, so you need to compare both to get a complete price analysis.

Additional information can be read at these links:

Comments About 2012 GMC Sierra 3500HD Insurance

  1. Rema Jenkins

    I got quite a few price quotes for a 2012 GMC Sierra 3500HD in Kansas City, Kansas. Ended up at roughly $370 every six months with Auto-Owners. Insured with Eastwood before.

  2. Angle Bradley

    What does medical payments cover?

  3. Mallory Bush

    If you have a clean record and live around Missoula, Montana, check out 21st Century. I saved quite a bit. I have a couple other vehicles on the policy. It never hurts to quote around.

  4. Lavon Leach

    I live just to the north of Oklahoma City, Oklahoma. Can’t remember who all I quoted but I ended up saving about $30 each month. Moved home policy as well.

  5. Alberta Pena

    Will Progressive raise rates for a small claim?

  6. Sharice Cotton

    Good detail in your article. From west side of Lincoln, Nebraska. I got free quotes from Safeco, Farmers, 21st Century, and American Family for my GMC and am saving around $370 a year. I’m a pretty good driver though. Not sure if rates are cheaper online or through an agent.

  7. Rima Chapman

    Nice post. From Boise, Idaho. I quoted with AIG Insurance, Eastwood, and MetLife for my GMC and I think I saved around $50 each month. Insured with AIG Insurance before. LOL

  8. Deidra Randall

    Went with Progressive for my Sierra 3500HD and saved around $570 a year. Was with AAA. Not sure about claim service.