Compare 2015 GMC Sierra 1500 Insurance Quotes

Buying the most affordable auto insurance may seem to be rather difficult for people who are beginners to quoting and comparing prices online. Because there are so many insurers to choose from, how can drivers be able to compare all the different companies and get the best available price?

It’s a good idea to take a look at other company’s rates before your next renewal because auto insurance prices fluctuate regularly. Even if you think you had the lowest price on Sierra coverage at your last renewal the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to buy cheaper auto insurance.

Finding auto insurance

There are a variety of methods you can shop for auto insurance but some are more efficient than others. You can waste a lot of time talking about coverages with insurance companies in your area, or you could use the internet to maximize your effort.

All the larger companies participate in a marketplace that allows shoppers to enter their coverage request one time, and every company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions to each company.

To submit your quote information now, click to open in new window.

The single downside to using this type of system is that you can’t choose which companies to receive prices from. If you prefer to choose from a list of companies to compare, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but double check that you are using equivalent coverages for every quote you compare. If you compare different coverage information you will not be able to determine which rate is truly the best. Quoting even small variations in insurance coverages can make a big difference in price. Just keep in mind that comparing all the rates in your area will increase your chances of finding lower pricing. Some regional insurers cannot provide price estimates online, so it’s important to also get rates from those companies as well.

Affordable car insurance rates with discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but some need to be inquired about prior to getting the savings.

• Home Ownership Discount – Owning a home can earn you a little savings because owning a home means you have a higher level of financial diligence.
• Professional Memberships – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on car insurance.
• Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
• Accident Waiver – This isn’t a discount exactly, but a few companies such as Progressive, Allstate, and Geico will forgive one accident before your rates go up if you have no claims prior to being involved in the accident.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.

Discounts lower rates, but 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 collision or personal injury protection. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

The best car insurance companies and the discounts they provide can be found below.

• Geico offers discounts including defensive driver, good student, daytime running lights, air bags, and multi-vehicle.
• MetLife has discounts for good student, defensive driver, good driver, multi-policy, and claim-free.
• Progressive offers premium reductions for good student, multi-policy, online quote discount, multi-vehicle, and continuous coverage.
• Travelers includes discounts for good student, multi-policy, save driver, student away at school, IntelliDrive, and early quote.
• SAFECO has savings for homeowner, teen safe driver, anti-lock brakes, bundle discounts, and anti-theft.
• AAA offers discounts for pay-in-full, AAA membership discount, anti-theft, multi-policy, good student, and multi-car.

It’s a good idea to ask all the companies how many discounts you can get. Discounts may not apply in your area. If you would like to view providers with discount car insurance rates, follow this link.

Tailor your insurance coverage to you

When choosing coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

• When would I need rental car insurance?
• Will I be non-renewed for getting a DUI or other conviction?
• Can I afford low physical damage deductibles?
• How do I buy GAP insurance?
• What if I total my 2015 GMC Sierra 1500 and owe more than it’s worth?
• Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

What determines GMC Sierra 1500 insurance premiums?

Lots of things are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving record, but others are more obscure such as your marital status or how safe your car is.

• Gals pay lower premiums – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes cause at-fault accidents at a similar rate, but the male of the species tend to have higher claims. Not only are claims higher, but men receive more major tickets like DUI and reckless driving. Males from age 16 to 21 tend to get in the most accidents and are penalized with high car insurance rates.
• Your address can push rates up or down – Residing in smaller towns and rural areas of the country is a good thing when buying car insurance. People in densly populated areas regularly have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
• Long commutes cost more – The more you drive each year the higher your rate. A lot of companies calculate prices partially by how you use the vehicle. Cars not used for work or commuting cost less to insure than those used for commuting. It’s a good idea to make sure your car insurance coverage correctly shows how each vehicle is driven. Having an incorrect usage rating on your Sierra 1500 can cost quite a bit.
• Poor credit decisions can cost you – Your credit history is a big factor in determining what you pay. Drivers with very good credit scores tend to file fewer claims than those with lower credit scores. If your credit is not that good, you may save money insuring your 2015 GMC Sierra 1500 by spending a little time repairing your credit.
• Incidental coverages may not be needed – There are a lot of extra coverages that may not really be needed if you aren’t diligent. Coverages like rental car reimbursement, accidental death, and term life insurance are examples of these. They may seem good when discussing your needs, but if they’re wasting money think about removing them and cutting costs.
• Marriage is a good thing – Having a significant other can get you a discount on your car insurance policy. Having a significant other generally demonstrates drivers are more mature and it’s statistically proven that married drivers tend to have fewer serious accidents.

Do you really save 40% when you switch?

Auto insurance companies such as State Farm, Allstate and Geico consistently run ads in print and on television. They all seem to convey the message about savings if you just switch to them. It sounds good, but how can they all give you a better price? It’s all in the words they use.

Companies have specific criteria for the right customer that earns them a profit. An example of a profitable risk profile could possibly be between 30 and 50, has no driving citations, and drives a safe vehicle. Any person that hits that “sweet spot” will get low premium rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not fit these stringent criteria will be charged higher premiums with the end result being the customer buying from a different company. Company advertisements say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how companies can lure you into getting a quote. Because each company has a different risk profile, you need to do a price quote comparison at every renewal. Because you cannot predict with any certainty which company will provide you with the cheapest premium rates.

Coverage specifics

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses like dental work, ambulance fees, rehabilitation expenses and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance covers damage to your Sierra 1500 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for liability – Liability coverage will cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like attorney fees, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, rock chips in glass, hitting a bird, damage from a tornado or hurricane and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Quote more, save more

Drivers change insurance companies for many reasons like policy cancellation, policy non-renewal, extreme rates for teen drivers and even delays in responding to claim requests. Whatever your reason, finding a new company can be easier than you think.

Budget-conscious 2015 GMC Sierra 1500 insurance is available on the web as well as from insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. There are still a few companies who don’t offer online rate quotes and many times these regional insurance providers provide coverage only through local independent agents.

We’ve covered many tips how you can lower your 2015 GMC Sierra 1500 insurance rates. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a lesser-known regional company.

Additional detailed information is located in the articles below:

• Where can I buy Insurance? (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• Property Damage Coverage (Liberty Mutual)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)