2015 GMC Sierra 2500HD Insurance Rates – 8 Savings Tips

Trying to find lower insurance coverage rates for your GMC Sierra 2500HD? Searching for low-cost insurance for a GMC Sierra 2500HD can turn out to be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to find insurance coverage online so we’re going to tell you the best way to compare rates for a new or used GMC and obtain the best price possible from both online companies and local agents.

Consumers should take time to check insurance coverage prices yearly because insurance coverage rates change regularly. Just because you found the best premium rates on SierraHD coverage on your last policy you will most likely find a better price today. There is a lot of wrong information about insurance coverage on the web, but by reading this article, you’re going to learn some excellent ideas to reduce your insurance coverage bill.

How to compare insurance quotes

Getting a cheaper price on 2015 GMC Sierra 2500HD insurance is actually easier than you may think. You just have to spend a few minutes to compare free auto insurance quotes online from several insurance companies. You can get a good selection of rate quotes using a couple different methods.

• The best way to get quotes for comparison is a comparison rater form like this one (opens in new window). This type of form keeps you from doing a different quote for each price estimate. One simple form gets coverage cost estimates from many national carriers. It’s the fastest way to compare.
• A slightly less efficient method to shop for insurance online requires visiting each company’s website and go through the quote process again. For examples sake, we’ll assume you need rates from Allstate, Liberty Mutual and Farmers. You would be required to go to every website to enter the same coverage data repeatedly, which is why the first method is more popular.

  To view a list of companies in your area, click here.

Compare rates however you want, just make sure you use nearly identical quote information with every price quote. If you compare different limits and deductibles on each one it’s impossible to decipher which rate is best.

Switch companies and save? Really?

Drivers constantly see and hear ads for cheaper auto insurance from companies such as State Farm and Allstate. All the companies convey the message that you can save if you change your auto insurance coverage to their company.

That’s great but how can every company charge lower premium rates? This is the trick they use.

Insurance providers can use profiling for the type of driver that earns them the highest profit. One example of a desirable risk should be a married female, has never had a policy lapse, and drives a lower-performance vehicle. A driver that matches those criteria will probably get cheap prices and will save if they switch.

Potential customers who may not quite match those standards will have to pay higher premium rates which results in business going elsewhere. The trick companies use is to say “people who switch” not “everybody who quotes” can save as much as they claim. This is how companies can make claims that they all have the best prices. This emphasizes why you absolutely need to get as many free auto insurance quotes as possible. It is just not possible to predict which auto insurance company will have the best premium rates.

Double check you’re getting with these eight discounts

Some companies don’t necessarily list the entire discount list very well, so the following is a list of both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

• Paperwork-free – A few larger online companies will give you a small discount get auto insurance on the internet.
• Active Military Service – Being on active duty in the military could be rewarded with lower prices.
• College Student Discount – Children who attend college more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
• Discount for Life Insurance – Larger auto insurance companies have a small discount if you purchase auto and life insurance together.
• Smart Student Discounts – Being a good student may save you up to 25%. Most companies allow this discount up to age 25.
• New Vehicle Savings – Buying a new car instead of a used car is cheaper due to better safety requirements for new model year vehicles.
• Payment Method – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.

Consumers should know that many deductions do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, nobody gets a free ride.

The best auto insurance companies and their possible discounts are shown below.

• State Farm policyholders can earn discounts including passive restraint, Steer Clear safe driver discount, driver’s education, safe vehicle, student away at school, and accident-free.
• Nationwide includes discounts for defensive driving, Farm Bureau membership, accident-free, multi-policy, and good student.
• Geico may offer discounts for driver training, anti-theft, anti-lock brakes, membership and employees, defensive driver, seat belt use, and military active duty.
• AAA has savings for good student, good driver, pay-in-full, education and occupation, multi-car, and multi-policy.
• 21st Century may include discounts for 55 and older, air bags, automatic seat belts, homeowners, theft prevention, anti-lock brakes, and early bird.
• The Hartford offers discounts including good student, vehicle fuel type, anti-theft, defensive driver, driver training, air bag, and bundle.

If you are trying to find inexpensive auto insurance quotes, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your state. To find insurers offering auto insurance discounts, click this link.

Your situation helps dictate your coverage

When it comes to buying the best car insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help highlight if you will benefit from professional help.

• Do I pay less for low miles?
• What can I do if my company denied a claim?
• Does my insurance cover my expensive audio equipment?
• Should I drop comprehensive coverage on older vehicles?
• I have a DUI can I still get coverage?
• Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection 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.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Collision protection

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

Collision coverage protects against things like crashing into a building, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from 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 pays for claims like theft, damage from getting keyed, hitting a deer and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses for things like dental work, X-ray expenses and doctor visits. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to 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

In Summary

People switch companies for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, denial of a claim and even unfair underwriting practices. Regardless of your reason, switching insurance companies is not as hard as you think.

In this article, we presented a lot of tips how to shop for 2015 GMC Sierra 2500HD insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper auto insurance. Consumers may even find the best car insurance rates are with a small mutual company.

The cheapest 2015 GMC Sierra 2500HD insurance can be sourced online and from local agencies, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent agents.

For more information, take a look at the following helpful articles:

• Older Drivers FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Airbag FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• Anti-Lock Brake FAQ (iihs.org)