2014 GMC Sierra 3500HD Insurance Rates – 6 Tricks for Cheapest Quotes

Consumers have a choice when looking for the lowest priced GMC Sierra 3500HD insurance. They can either waste time contacting agents to get rate comparisons or use the internet to make rate comparisons. There are both good and bad ways to compare insurance rates so you’re going to learn the quickest way to price shop coverage for a new or used GMC and find the best price possible either online or from local insurance agents.

Consumers should take time to do price comparisons yearly because insurance rates are usually higher with each renewal. Just because you had the best rate for SierraHD insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the proper way to find better coverage at a better price.

If you have a current insurance policy or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. This information will tell you the most effective way to quote insurance and some money-saving tips. Vehicle owners only need an understanding of the proper way to compare rates online.

You may qualify for discounts

Companies offering auto insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Senior Citizens – Seniors may be able to get reduced rates for SierraHD insurance.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for SierraHD insurance with some car insurance companies.
  • Accident Waiver – Not necessarily a discount, but some companies like Progressive, State Farm and GEICO will forgive one accident without the usual rate increase if you have no claims prior to the accident.
  • Onboard Data Collection – Insureds who allow their company to scrutinize driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for SierraHD insurance than less cautious drivers.
  • Switch and Save Discount – Select car insurance companies give a discount for buying a policy prior to your current policy expiring. You can save around 10% with this discount.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Some of the insurance companies that have most of the discounts above are:

When getting a coverage quote, ask each company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see companies with discount car insurance rates, click here to view.

There’s no such thing as the perfect insurance policy

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions might point out if your situation could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Is business property covered if stolen from my car?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I buy only the required minimum liability coverage?
  • How many claims can I have before being cancelled?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2014 GMC Sierra 3500HD.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for doctor visits, pain medications, ambulance fees and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, fire damage, rock chips in glass and hail damage. The maximum payout 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 consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, medical services, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

What is YOUR best insurance company?

Cost effective 2014 GMC Sierra 3500HD insurance is available both online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get quotes online and these smaller providers only sell coverage through local independent agencies.

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, delays in paying claims, an unsatisfactory settlement offer and even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There are many occasions where an insured dropped collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best cost while not skimping on critical coverages.

Additional information can be found at the links below

Comments About 2014 GMC Sierra 3500HD Insurance

  1. Thi Cross

    Here’s my quote info. I live in Billings, MT. Got car insurance rates from State Farm, Amica, Esurance, and The General for my 2014 GMC Sierra 3500HD and cut my rates about $160 a year. They have a lot of discounts available.

  2. Chae Rivers

    It’s all a rip off. Live in Charlotte, NC. Quoted with AIG Insurance, Mercury, and Travelers for my GMC and cut my rates about $380 a year.

  3. Randa Kim

    Good site, thanks. I live in a small town just outside of Phoenix, AZ. Got car insurance quotes from MetLife, Esurance, Progressive, and Amica for my Sierra 3500HD and saved $241 a year. Was with Mercury. Switched homeowners coverage too.

  4. Kerrie Hammond

    Does State Farm insure after a DUI?

  5. Nicholle Valdez

    Enjoyed the article. Proud to be from Fargo, ND. I quoted with AAA, Esurance, and MetLife for my 2014 GMC Sierra 3500HD and am saving around $210 a year. I have kids on my policy, too. Bought it from an online quote.

  6. Nakita Sherman

    Too expensive. I ride a bike.

  7. Rosaline Cortez

    Like your site, BTW. From Provo, UT. Got car insurance rates from Progressive, Farmers, and Hartford for my 2014 GMC Sierra 3500HD and saved just over $430 a year. Was with USAA. It never hurts to quote around.

  8. Amira Lott

    Live in Fort Wayne, IN. Quoted rates from AIG Insurance, Esurance, and MetLife for my Sierra 3500HD and cut my rates about $460 a year. Bought it from an online quote.

  9. Wilhelmina Kaufman

    What exactly does liability cover?

  10. Jone Hamilton

    I’m in Hartford, CT, and Progressive rates were affordable. Left Nationwide to switch. I have a couple other vehicles on the policy. Not sure about claim service.

  11. Kendra Short

    Here’s what I found out. From Birmingham, AL. Don’t remember every company but I ended up saving about $60 each month. Are quotes cheaper online?