Cheaper 2013 GMC Sierra 3500HD Car Insurance Quotes

Finding cheap car insurance on the web may seem to be rather challenging for vehicle owners new to quoting and comparing prices over the internet. With such a big selection of agents and insurers to choose from, how are vehicle owners expected to have time to compare them all to find the cheapest rates?

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. But car owners can benefit by having an understanding of the way companies determine prices because it can help you find the best coverage.

Find discounts to get cheap insurance coverage quotes

Companies offering auto insurance do not advertise the entire discount list very clearly, so the following list contains a few of the more well known and the more hidden credits that may apply to you. If you don’t get every credit possible, you are paying more than you should be.

• Driving Data Discount – People who choose to allow their company to analyze vehicle usage through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as they are good drivers.
• Multiple Vehicles – Having all your vehicles on one policy can get a discount on all vehicles.
• Memberships – Being in a professional or civic organization could qualify you for a break on insurance coverage.
• Anti-lock Brake Discount – Cars with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
• Low Mileage – Maintaining low annual mileage could qualify for lower premium rates on the low mileage vehicles.
• Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
• New Vehicle Savings – Insuring a new car is cheaper because new model year vehicles are generally safer.
• Policy Bundle Discount – If you have multiple policies with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
• Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy life insurance from them.
• Accident Waiver – Not a discount per se, but companies like Progressive and Allstate will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free for a set time period.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like you could get a free insurance coverage policy, it’s just not the way it works. Any qualifying discounts will bring down the amount you pay for coverage.

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

• Geico may offer discounts for daytime running lights, air bags, federal employee, anti-theft, multi-vehicle, and driver training.
• MetLife has savings for good student, multi-policy, claim-free, defensive driver, and accident-free.
• State Farm may have discounts that include Steer Clear safe driver discount, anti-theft, safe vehicle, good student, multiple policy, and passive restraint.
• Progressive policyholders can earn discounts including online quote discount, online signing, good student, homeowner, continuous coverage, and multi-vehicle.
• Mercury Insurance offers premium reductions for type of vehicle, ease of repair, good student, multi-car, location of vehicle, and low natural disaster claims.
• 21st Century offers discounts including 55 and older, automatic seat belts, defensive driver, air bags, theft prevention, driver training, and early bird.
• Allstate offers discounts for resident student, auto/life discount, EZ pay plan discount, FullPay discount, and teenSMART discount.

Before purchasing a policy, check with all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not apply in your area. For a list of companies with discount rates, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

• What is the minimum liability in my state?
• Am I covered if hit by an uninsured driver?
• Should I buy more coverage than the required minimum liability coverage?
• Am I covered when driving a rental car?
• Am I covered if I drive in a foreign country?
• Will my insurance pay for OEM parts?
• How high should my medical payments coverage be?
• Is my teenager covered with friends in the car?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage options for a GMC Sierra 3500HD

Having a good grasp of auto insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability coverage

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, medical services, medical expenses and pain and suffering. How much coverage you buy is up to you, but buy as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like pain medications, funeral costs, hospital visits, surgery and chiropractic care. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This pays for damage to your Sierra 3500HD resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, driving through your garage door, backing into a parked car, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, a broken windshield, hitting a deer, vandalism and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your GMC Sierra 3500HD.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Find Good Coverage for Less

When shopping online for auto insurance, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone sacrificed collision coverage only to find out that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

We just covered a lot of tips how to compare 2013 GMC Sierra 3500HD insurance premium rates online. It’s most important to understand that the more companies you get prices for, the higher your chance of finding low cost auto insurance. You may even find the best premium rates are with some of the smallest insurance companies.

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, policy non-renewal, lack of trust in their agent and delays in paying claims. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Other articles

• Car Insurance FAQ (Trusted Choice)
• Understanding Limits and Deductibles (Allstate)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)