Cheap 2013 GMC Sierra 1500 Hybrid Car Insurance Rates

Searching for the cheapest auto insurance rates for your GMC Sierra 1500 Hybrid? Have you had enough of trying to scrape together enough money to make your auto insurance payment? You are no different than millions of other vehicle owners.

Vehicle owners have multiple car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, more choices can make it harder to find the best rates for your vehicles.

It’s important to compare prices at least once a year since insurance prices fluctuate regularly. Despite the fact that you may have had the best deal for Sierra Hybrid insurance a few years ago you may be paying too much now. Ignore everything you know about auto insurance because I’m going to teach you the right way to find lower rates on auto insurance.

Insurance coverage policy discounts

The price of auto insurance can be rather high, but there may be some discounts that may help make it more affordable. A few discounts will automatically apply when you quote, but once in a while a discount must be asked about before being credited. If they aren’t giving you every credit possible, you could be paying more than you need to.

• Onboard Data Collection – Drivers who agree to allow data collection to monitor driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of more than 20%.
• Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you better insurance coveragerates if you take out life insurance.
• Save over 55 – Seniors are able to get better insurance coverage rates for Sierra Hybrid insurance.
• ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.
• No Accidents – Claim-free drivers pay less when compared with drivers with a long claim history.
• College Student Discount – Kids who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
• Good Student – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.

Policy discounts save money, but most discounts do not apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, that’s just not realistic. Any qualifying discounts will definitely reduce your insurance coverage premiums.

A few popular companies and a partial list of their discounts are detailed below.

• State Farm has discounts for student away at school, passive restraint, multiple policy, good driver, Steer Clear safe driver discount, and accident-free.
• Esurance has savings for claim free, paid-in-full, Switch & Save, good student, and homeowner.
• Progressive includes discounts for multi-vehicle, good student, multi-policy, online quote discount, homeowner, online signing, and continuous coverage.
• Liberty Mutual may offer discounts for preferred payment discount, newly married, newly retired, new move discount, safety features, new vehicle discount, and exclusive group savings.
• Auto-Owners Insurance may have discounts that include good student, multi-policy, teen driver, group or association, and paid in full.
• Geico offers premium reductions for driver training, daytime running lights, emergency military deployment, air bags, anti-theft, and defensive driver.

Double check with each company the best way to save money. Savings may not apply in your area.

Buy insurance online

When looking for inexpensive car insurance quotes, there are a couple ways to compare rate quotes from all the different companies. The easiest way by far to do a complete rate comparison is to get quotes online. This can be done using a couple different methods.

1. Experts agree that the best way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing a different quote for every company. Filling out one form will return quotes direct from many companies.
2. A more difficult way to get comparison quotes requires visiting the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you want rates from Progressive, 21st Century and Farmers. You would be required to go to each individual site and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but ensure you are comparing the exact same coverage limits and deductibles with every price quote. If your comparisons have different limits and deductibles on each one it will be nearly impossible to determine which company has the best rates. Just a small difference in insurance coverages could mean much higher rates. Just remember that comparing all the rates in your area will increase your chances of finding the best rates.

Smart buyers can cut their insurance premiums

Smart consumers have a good feel for some of the factors that are used to determine your car insurance rates. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that can earn you lower rates. Lots of things are used when quoting car insurance. Some of the criteria are obvious like an MVR report, but some are more transparent like your continuous coverage and annual miles driven.

• Your employer and car insurance rates – Did you know your car insurance rates can be affected by your occupation? Occupations like military personnelairline pilots and financial analysts usually pay higher average rates attributed to job stress and incredibly demanding work hours. Conversely, occupations such as actors, historians and retirees generally pay rates lower than average for Sierra Hybrid insurance.
• Car insurance liability limits – Liability insurance will provide protection if ever you are found liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Rates are affected by your address – Choosing to live in a small town has definite advantages when buying car insurance. Fewer drivers and short commutes means fewer accidents and lower theft and vandalism rates. People who live in big cities tend to have more auto accidents and much longer commute distances. More time commuting means a statistically higher chance of an accident.
• Driving citations cost more than a fine – Careful drivers tend to pay less for car insurance compared to bad drivers. Just one speeding ticket may cause rates to rise by as much as twenty percent. Drivers who have license-revoking citations like DUI or reckless driving may find that they have to to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
• Car and home together may be cheaper – Some insurers allow discounts to insureds that have more than one policy such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to check prices from other companies to verify if the discount is saving money. Drivers may still save even more by buying from different companies
• Too many policy claims and you’ll pay more – If you’re an insured who likes to file claims you should expect increased rates or even have your policy non-renewed. Auto insurance companies generally give most affordable rates to policyholders that do not abuse their auto insurance. Insurance coverage is intended for claims that you cannot pay yourself.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions might point out if your situation could use an agent’s help.

• Should I have combined single limit or split liability limits?
• Am I covered if my car is in a flood?
• Are rental cars covered under my policy?
• Am I covered if I crash into my own garage door?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered when driving someone else’s vehicle?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Well known brands might not be cheapest

Companies like 21st Century, Allstate and State Farm consistently run ads on television and other media. They all seem to advertise the message that people will save if you move your auto insurance coverage to their company. How does every company sell you cheaper insurance coverage? Here is the trick they use.

Most companies give the best rates for the driver they prefer to insure. For example, a profitable customer should be a married female, has no claims, and has a short commute. Someone who fits that profile is entitled to the best price and will save a lot if they switch.

Insureds who don’t measure up to these criteria must pay higher premiums and this results in the prospect going elsewhere. Company advertisements say “people that switch” not “everybody who quotes” save that much money. That’s why insurance companies can make the claims of big savings.

Because each company has a different risk profile, it’s extremely important to get car insurance quotes as often as possible. Because without a comparison, you cannot know which insurance companies will provide the lowest car insurance rates.

Coverages available on your policy

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your GMC Sierra 1500 Hybrid.

Since a lot of 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. Normally these limits are similar to your liability insurance amounts.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverage – This can cover injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, court costs, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, chiropractic care, pain medications, EMT expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance 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 insurance covers claims like vandalism, fire damage, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More quotes. Lower rates.

In this article, we covered quite a bit of information on how to compare 2013 GMC Sierra 1500 Hybrid insurance rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Lower-priced 2013 GMC Sierra 1500 Hybrid insurance can be found both online as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some auto insurance companies do not provide online rate quotes and usually these small insurance companies work with local independent agencies.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the best price, not the least amount of coverage.

Even more information can be found in the articles below:

• Comprehensive Coverage (Liberty Mutual)
• Driving in Bad Weather (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)