2014 GMC Sierra 2500HD Car Insurance Quotes – 7 Savings Tips

Want better auto insurance rates? Drivers have options when trying to find low-cost GMC Sierra 2500HD insurance. You can either waste hours struggling with agents to compare prices or leverage the internet to compare rates.

There are both good and bad ways to find auto insurance online and you need to know the best way to get price quotes on a GMC and get the cheapest rates either online or from local insurance agents.

Do you qualify for these seven discounts?

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that can drop the cost substantially. Some discounts will apply at the time you complete a quote, but a few must be manually applied in order for you to get them.

• Driver Safety – Taking part in a course in safe driver may get you a small discount and make you a better driver.
• Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
• Driving Data Discount – People who choose to allow their car insurance company to track driving patterns remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
• Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
• Home Ownership Discount – Owning a home can get you a discount since home ownership is proof that your finances are in order.
• Multiple Cars – Purchasing coverage when you have multiple vehicles on one policy may reduce the rate for each vehicle.
• Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

Don’t be shocked that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, that’s just not realistic.

Companies who may offer some of the discounts shown above include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

When comparing rates, check with all companies you are considering how you can save money. Some of the earlier mentioned discounts may not apply in your area.

Finding insurance

There are multiple methods to compare insurance prices and some are more efficient than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Many insurance companies take part in a program where insurance shoppers submit their information once, and each participating company provides a quote for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

One minor caviat to using this type of form is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select individual companies for rate comparison, we have assembled a list of the cheapest insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure you’re using exactly the same deductibles and coverage limits with every price quote. If you use different values for each quote it will be nearly impossible to make an equal comparison.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

• How can I get high-risk coverage after a DUI?
• Which is better, split liability limits or combined limits?
• Is my babysitter covered when using my vehicle?
• Why am I be forced to buy a membership to get insurance from some companies?
• What are the best liability limits?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance policy coverages for a GMC Sierra 2500HD

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for pain medications, doctor visits, dental work, prosthetic devices and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your GMC Sierra 2500HD.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability insurance will cover damages or injuries you inflict on people or other property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, court costs, structural damage, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Collision protection

Collision insurance covers damage to your Sierra 2500HD resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Shop. Compare. Save.

Drivers change insurance companies for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, being labeled a high risk driver and policy non-renewal. Regardless of your reason, switching companies is less work than it seems.

When searching for low cost insurance quotes, you should never reduce needed coverages to save money. In many instances, consumers will sacrifice full coverage only to find out they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the best cost while still protecting your assets.

Budget-friendly car insurance can be sourced on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get quotes online and these smaller providers work with independent insurance agencies.

To learn more, feel free to browse the resources below:

• Teen Driver Statistics (Insurance Information Insitute)
• Who Has Cheap Auto Insurance for a GMC Sierra in Milwaukee? (MilwaukeeInsure.com)
• All About Airbag Safety (State Farm)
• Understanding Limits and Deductibles (Allstate)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)