2013 GMC Sierra 2500HD Car Insurance Quotes

Want the cheapest insurance rates for your GMC Sierra 2500HD? Are you burned out from not being able to afford to buy insurance? You have the same problem as many other drivers. You have multiple insurers to purchase coverage from, and though it is a good thing to have a selection, too many choices makes it more difficult to locate the cheapest rates.

Shopping for the lowest cost coverage can be fairly easy. If you have a policy now or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to know the tricks to get comparison quotes online.

How to lower your insurance coverage cost

Getting a cheaper price on 2013 GMC Sierra 2500HD insurance is actually quite simple. All you need to do is invest a little time comparing price quotes to discover which company has low cost insurance coverage quotes. Rate comparisons can be done using a couple different methods.

1. The best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quote forms for each company you want a rate for. Taking the time to complete one form will get you price quotes from several companies.
2. Another way to analyze rates is to manually visit the website for each individual company to complete their respective quote request forms. For examples sake, let’s say you are doing a rate comparison from Progressive, Farmers and State Farm. To get rate quotes you would need to spend time going to each site individually and repeatedly type in your coverage information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.
3. The final method to do your price quoting is to drive around to different agent offices. The ability to quote online eliminates the need for an insurance agent unless you prefer the professional assistance only provided by licensed agents. It is possible to find lower rates online but buy from a local insurance agent.

Whichever method you choose, do your best to enter apples-to-apples deductibles and coverage limits on every quote you get. If you use different values for each quote then you won’t be able to make an equal comparison.

Use discounts to get cheaper insurance coverage quotes

Not too many consumers would say insurance coverage is affordable, but you might find some hidden discounts that you may not know about. Some trigger automatically at the time you complete a quote, but less common discounts must be inquired about before you will receive the discount.

• Early Switch Discount – A few insurance companies allow discounts for buying a policy before your current expiration date. This can save 10% or more.
• Clubs and Organizations – Joining qualifying clubs or civic groups could earn you a nice discount on your next renewal.
• Own a Home and Save – Owning a house can earn you a little savings because maintaining a house shows financial diligence.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you may have a lower total premium amount.
• Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
• Low Miles Discount – Driving less may enable drivers to earn lower prices on the low mileage vehicles.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
• Active Military Service – Being on active duty in the military can result in better rates.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A list of insurance coverage companies and a selection of discounts are included below.

• Progressive may offer discounts for online quote discount, good student, multi-vehicle, continuous coverage, homeowner, online signing, and multi-policy.
• The Hartford includes discounts for bundle, vehicle fuel type, air bag, good student, and defensive driver.
• Mercury Insurance offers discounts for professional/association, multi-policy, good driver, location of vehicle, type of vehicle, and annual mileage.
• Geico policyholders can earn discounts including air bags, good student, anti-lock brakes, defensive driver, emergency military deployment, and daytime running lights.
• AAA offers discounts including anti-theft, pay-in-full, good driver, multi-car, and good student.
• State Farm may have discounts that include accident-free, student away at school, anti-theft, driver’s education, and defensive driving training.

It’s a good idea to ask each company or agent to give you their best rates. All car insurance discounts may not apply in your area.

What determines GMC Sierra 2500HD insurance costs?

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that go into determining the rates you pay for insurance coverage. If you know what controls the rates you pay, this enables informed choices that can help you get much lower annual insurance costs. Lots of factors are used when premium rates are determined. Some are obvious such as traffic violations, although some other factors are less apparent such as your marital status or your vehicle rating.

• Vehicle theft costs us all – Driving a car that has a built-in theft deterrent system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
• Do you have a demanding vocation? – Do you have a high-stress occupation? Jobs like judges, social workers and stock brokers generally have higher rates than average because of job stress and long work days. On the flip side, careers such as actors, historians and performers get better rates on SierraHD insurance.
• Do you really need the extra coverages? – Policies have extra coverages you can purchase on your Sierra 2500HD policy. Add-on coverages like rental car coverage, towing coverage, and extra equipment coverage are some examples. You may think they are a good idea initially, but if you have no use for them think about removing them and cutting costs.
• Males pay higher prices – 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. Females and males get in accidents in similar percentages, but guys have accidents that have higher claims. Men also get more serious tickets like DUI and reckless driving.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover if your insurance needs will benefit from professional help.

• Am I better off with higher deductibles on my 2013 GMC Sierra 2500HD?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does medical payments coverage apply to all occupants?
• Does car insurance cover theft of personal property?
• Do I need replacement cost coverage on my 2013 GMC Sierra 2500HD?
• Am I covered when driving on a suspended license?
• I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these 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. It’s fast, doesn’t cost anything and can help protect your family.

Big brands don’t always mean big savings

Consumers constantly see and hear ads that claim the cheapest car insurance rates from the likes of Progressive, Allstate and Geico. All the companies state the claim that you’ll save big just by switching your insurance coverage policy to them.

How does each company offer you a better deal? It’s all in the wording.

Many companies give the best rates for the driver that makes them money. For instance, this type of risk profile might be a married female, is a homeowner, and drives a car with an anti-theft system. Anybody who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Insureds who are not a match for this stringent profile may be forced to pay more expensive rates and this can result in the customer not purchasing. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can claim big savings.

This really emphasizes why it’s extremely important to get a wide range of price quotes. Because you never know which insurance coverage company will have the lowest rates.

Insurance coverage options for a 2013 GMC Sierra 2500HD

Knowing the specifics of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, vandalism and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three 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 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as medical services, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, dental work, surgery and prosthetic devices. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your GMC Sierra 2500HD.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Be a Smart Shopper

We just covered a lot of ways to lower your 2013 GMC Sierra 2500HD insurance premium rates. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Cheaper 2013 GMC Sierra 2500HD insurance can be found from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these small insurance companies only sell coverage through local independent agents.

Other learning opportunities

• Auto Crash Statistics (Insurance Information Insitute)
• Who Has the Cheapest Miami Auto Insurance for a GMC Sierra? (MiamiCoverage.com)
• What Insurance is Cheapest for a GMC Sierra in Sacramento? (InsureSacramento.com)
• Booster Seat Ratings (iihs.org)
• Child Safety FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)
• Teen Driving and Texting (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)