2016 GMC Sierra 1500 Insurance Quotes

No one in their right mind likes paying for auto insurance, particularly when the cost is too high.

Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the best rate

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is quite easy. But consumers must know how companies market insurance on the web and take advantage of how the system works.

Get lower rates with these discounts

Car insurance is not cheap, but you may find discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but some must be inquired about prior to receiving the credit.

  • Bundled Policy Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
  • Government Employees – Having worked for a branch of the government could provide a small rate reduction for Sierra coverage depending on your company.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
  • Paperwork-free – A few larger online companies may give you up to $50 for buying your policy on your computer.
  • Low Miles Discount – Driving less could be rewarded with lower insurancerates on the low mileage vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Defensive Driving Course – Taking part in a safe driver class could possibly earn you a 5% discount if you qualify.

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Popular insurance companies and their offered discounts are:

  • Progressive offers discounts for continuous coverage, multi-policy, good student, homeowner, and multi-vehicle.
  • AAA policyholders can earn discounts including education and occupation, pay-in-full, multi-car, good student, good driver, and anti-theft.
  • Farmers Insurance discounts include alternative fuel, business and professional, pay in full, teen driver, and electronic funds transfer.
  • Geico includes discounts for driver training, membership and employees, defensive driver, federal employee, seat belt use, good student, and anti-theft.
  • Esurance has savings for safety device, defensive driver, paid-in-full, anti-theft, and DriveSense.
  • SAFECO has discounts for homeowner, drive less, teen safe driver, safe driver, anti-theft, and teen safety rewards.
  • State Farm may include discounts for anti-theft, multiple autos, Steer Clear safe driver discount, safe vehicle, and good student.

If you need lower rates, check with each insurance company how you can save money. Some credits may not apply in your state. If you would like to choose from a list of providers that provide some of the discounts listed above, follow this link.

Compare auto insurance quotes

Performing a rate comparison can be a lot of work if you don’t understand the most efficient way. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use online quoting to get prices fast.

Many companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company provides a quote. This eliminates the need for quotation requests for each company.

To compare pricing click here to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose the companies you want pricing from. If you wish to select specific insurance companies to compare rates, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but make absolute certain that you use nearly identical information with each company. If you compare mixed coverages it will be next to impossible to truly determine the lowest rate. Just a small difference in limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that having more price comparisons helps improve the odds of finding more affordable rates. Some smaller insurers to not give online rate quotes, so it’s important to also get quotes from them as well.

Insurance can be complex

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine whether your personal situation might need professional guidance.

  • When should I drop full coverage on my 2016 GMC Sierra 1500?
  • Why am I required to get a high-risk car insurance policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • When should I not file a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When would I need additional glass coverage?
  • Should I have a commercial auto policy?
  • Will my insurance pay for OEM parts?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your GMC Sierra 1500.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for things like chiropractic care, X-ray expenses, dental work and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays for damage to your Sierra 1500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, colliding with a tree, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, bail bonds, structural damage and medical services. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed, fire damage, damage from flooding and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

More quotes mean more savings

We just covered many ways to reduce 2016 GMC Sierra 1500 insurance rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding the cheapest car insurance. You may even discover the most savings is with a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

Cheaper insurance coverage can be purchased on the web in addition to local insurance agencies, so get free car insurance quotes from both of them to get a complete price analysis. Some companies may not provide online rate quotes and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

Additional detailed information is available by following these links:

Comments About 2016 GMC Sierra 1500 Insurance

  1. Angelique Gross

    Any 21st Century or Farmers customers near Springfield, Massachusetts?

  2. Jeramy Berger

    GEICO is decent in Philadelphia, PA.

  3. Tayna Graves

    In Aberdeen, South Dakota, Allstate is a good choice.

  4. Sid Sanchez

    Proud to be from Cedar Rapids, Iowa. Compared rates from a lot of places. Saved right around $50 a month. GEICO was the cheapest option for me. Was with Erie. Switched homeowners coverage too.

  5. Jackqueline Mccall

    Hope my rates come down. I’m in Raleigh, NC. Compared quite a few companies. Saved roughly $50 a month. Progressive was the cheapest for me. Did it all online.

  6. Natacha Wheeler

    This is too expensive. I live just to the south of Greensboro, North Carolina. Quoted prices from Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my GMC and am saving around $340 a year. I increased coverages a little too. God forbid I actually have a claim.

  7. Josefina Mckee

    Here’s what I found out. I’m from Cleveland, Ohio. I quoted with State Farm, AAA, and some I forget for my GMC and I’m now saving $56 a month. Teenage drivers are expensive! Still almost need a second mortgage.

  8. Kami Calderon

    If you have a good history and live in the vicinity of Fort Wayne, IN, check out 21st Century. You might get cheaper rates. Was with Allstate. Just waiting to see how claims go.

  9. Teddy Peters

    I’ve insured with 21st Century for a long time. Pretty cheap in Tulsa, Oklahoma.

  10. Janey Hogan

    I’m from Paterson, New Jersey. Quoted quotes with Western Auto Insurance, Amica, Liberty Mutual, and MetLife for my Sierra 1500 and saved $396 a year. Was with USAA. My new agent seems to be really good. I got a quote from their website.

  11. Reina Saunders

    Why are claims settled so low?