Cheap 2014 GMC Sierra 1500 Car Insurance Quotes

Searching for better car insurance rates? Consumers have options when looking for low-cost GMC Sierra 1500 insurance. You can either spend your time calling around to compare prices or leverage the internet to find the lowest rates.

There is a right way and a wrong way to find car insurance online so you’re going to learn the proper way to get price quotes for your GMC and get the lowest possible price.

You should make it a habit to check car insurance prices at least once a year because car insurance prices change quite often. Just because you had the best price on Sierra insurance on your last policy there is a good chance you can find better rates now. Block out anything you think you know about car insurance because it’s time to teach you the easiest way to save on car insurance.

If you have a policy now or are just looking to switch companies, you can learn to cut your premiums and possibly find even better coverage. The purpose of this post is to instruct you on how to effectively get price quotes and some tricks to saving. Vehicle owners only need to know the tricks to find the lowest price online.

Cheapest insurance rate quotes

Reducing your 2014 GMC Sierra 1500 insurance rates is not a difficult process. Consumers just need to spend a few minutes on the computer comparing free auto insurance quotes to find the company with the cheapest auto insurance quotes. Comparing prices online can be done by using one of the methods below.

  1. The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for separate quote forms to each individual insurance company. One quote request will return quotes instantly. This is by far the quickest method.
  2. A less efficient way to get comparison quotes consists of visiting the website of each company and get a separate price quote. For sake of this example, we’ll assume you want to compare Nationwide, State Farm and Progressive. In order to get each rate, you would have to take the time to go to each site and repeatedly enter your information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming way to comparison shop rate quotes is to waste gas driving to local insurance agencies. Quoting online has reduced the need for local agents unless you require the professional assistance of a local agency. Some companies do allow you to price shop your coverage online but still have the advice of a local agent.

Whichever method you choose, be sure to compare identical quote information for each comparison quote. If each company quotes mixed coverages it will be very difficult to determine the lowest rate for your GMC Sierra 1500.

Car insurance companies offer many types of discounts

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit.

  • Switch and Save Discount – A few larger companies give discounts for renewing your policy early. It could save around 10% when you buy auto insurance online.
  • Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less on Sierra insurance than drivers with accident claims.
  • Telematics Devices – People who choose to allow their company to track driving patterns remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they show good driving skills.
  • Anti-lock Brakes – Cars that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Own a Home – Being a homeowner may trigger a policy discount on car insurance since home ownership is proof of financial responsibility.
  • College Student – Children living away from home attending college and do not take a car to college could qualify for this discount.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies don’t profit that way. Any amount of discount will definitely lower the premium cost.

Larger car insurance companies and a selection of discounts are detailed below.

  • The Hartford discounts include air bag, anti-theft, bundle, defensive driver, and vehicle fuel type.
  • American Family includes discounts for accident-free, air bags, TimeAway discount, multi-vehicle, and Steer into Savings.
  • Progressive policyholders can earn discounts including good student, continuous coverage, multi-policy, online quote discount, homeowner, multi-vehicle, and online signing.
  • Travelers offers discounts for home ownership, multi-car, hybrid/electric vehicle, early quote, IntelliDrive, save driver, and payment discounts.
  • Farmers Insurance offers discounts including bundle discounts, business and professional, multi-car, homeowner, and early shopping.
  • USAA has savings for loyalty savings, multi-vehicle, family discount, good student, defensive driver, military installation, and driver training.
  • Liberty Mutual may have discounts that include multi-policy, new vehicle discount, teen driver discount, new move discount, safety features, good student, and preferred payment discount.

Before buying, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in your area. To find car insurance companies with the best discounts, click this link.

Do I just need basic coverages?

When it comes to choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different.

For example, these questions might help in determining whether you might need an agent’s assistance.

  • When should I remove comp and collision on my 2014 GMC Sierra 1500?
  • Am I covered when driving on a suspended license?
  • Do I need replacement cost coverage?
  • I have a DUI can I still get coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is upholstery damage covered by car insurance?
  • What is the difference between comprehensive and collision coverage?
  • Is business property covered if stolen from my car?
  • Is pleasure use cheaper than using my 2014 GMC Sierra 1500 to commute?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Buy more affordable car insurance with these tips

Many factors are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but others are more transparent such as your credit history or how financially stable you are.

  • High comp and collision deductibles cost less – Protection for physical damage, aka comp and collision, helps pay for damage to your vehicle. Some coverage claims are a windshield shattered by a rock, hitting a deer, and damage from a fallen tree branch. The deductibles define how much you are willing to pay if you file a covered claim. The more the insured is willing to pay, the better rate you will receive on Sierra insurance.
  • Traffic violations are costly – Having just one citation may cause rates to rise substantially. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Drivers unfortunate enough to have license-revoking citations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Married people drive safer – Walking down the aisle can get you a discount on your car insurance bill. It may mean you are more mature it has been statistically shown that being married results in fewer claims.
  • Insurance companies don’t like frequent claims – Companies award the lowest premiums to people who only file infrequent claims. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is intended for major claims that would cause financial hardship.
  • Lower rates for cars with good safety ratings – Safe vehicles get lower rates. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy. If your GMC has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Maintain car insurance coverage – Letting your insurance expire is a guaranteed way to increase your renewal premiums. And not only will your rates increase, not being able to provide proof of insurance might get you a license revocation or jail time. You may have to prove you have insurance by filing a SR-22 with your state DMV.

But they said I’d save $395 a year!

Consumers can’t escape the ads for cheaper auto insurance by State Farm and Allstate. They all seem to make an identical promise that drivers will save a bundle if you change your coverage to them.

Is it even possible that every company can charge you less for car insurance? This is the trick they use.

Auto insurance companies have underwriting criteria for the type of driver that will generate a profit. An example of this type of driver could be a married male, owns their home, and drives less than 5,000 miles a year. Any person that fits those parameters may get the lowest rates and have a good chance to pay quite a bit less when switching companies.

Potential insureds who don’t measure up to those standards will be quoted more expensive rates and the customer buying from someone else. The ad wording is “customers who switch” not “all people who quote” save the amount stated. That’s the way companies can truthfully make claims like that.

This really emphasizes why it’s extremely important to quote coverage with many companies. It is impossible to guess with any certainty which company will have the best car insurance rates.

Insurance policy coverages for a 2014 GMC Sierra 1500

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring.

Collision – This covers damage to your Sierra 1500 resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, hitting a parking meter and backing into a parked car. 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 raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage – Liability insurance can cover damage that occurs to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles, attorney fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as pain medications, EMT expenses, funeral costs, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, hitting a bird, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

More quotes. Lower rates.

As you quote auto insurance, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed full coverage only to regret that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

A few companies do not provide rates over the internet and most of the time these regional insurance providers provide coverage only through independent insurance agencies. Discount 2014 GMC Sierra 1500 insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best selection.

Consumers leave their current company for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, poor customer service or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new insurance company is less work than it seems.

Additional car insurance information can be found at the links below

Comments About 2014 GMC Sierra 1500 Insurance

  1. Mireya Garrett

    Progressive was cheapest for my 2014 GMC Sierra 1500 in Portland, ME.

  2. Obdulia Griffith

    I live in a small town just outside of Honolulu, HI. Quoted with American Family, Safeco, and Western Auto Insurance for my Sierra 1500 and cut my rates about $540 a year. Are quotes cheaper online?

  3. Willian Price

    Checking in from Memphis, Tennessee. Not sure of all the companies but I ended up saving about $20 each month. Insured with Liberty Mutual before. I have kids on my policy, too.

  4. Ike Sloan

    From Charlotte, NC. Quoted with Progressive, Liberty Mutual, and Encompass for my Sierra 1500 and am saving around $100 a year. I even had a DUI years ago. They have free quotes online.

  5. Floyd Slater

    Cheap is not always the best policy. From a town just southwest of Pittsburgh, PA. Got quotes with Amica, Mercury, and some smaller one I can’t remember the name of for my Sierra 1500 and saved just over $470 a year. I get lower rates because of my clean driving record.

  6. Cori Jackson

    Will Progressive do a SR22 in Maine?

  7. Elmer Douglas

    I went with Progressive at renewal. Best rates in North Charleston, SC. God forbid I actually have a claim.

  8. Annmarie Stanton

    Lifelong resident of Denver, CO. Quoted with AAA, Esurance, and MetLife for my GMC and I think I am saving around $30 each month. Even increased my liability limits. It’s easy to compare rates online now.