View 2016 GMC Sierra 3500HD Insurance Cost

Searching for better insurance coverage rates for your GMC Sierra 3500HD? Having to pay for expensive insurance coverage can eat up your bank account and force you to prioritize other expenses. Due to the increasing number of online and local companies to choose from, it can be hard to find the lowest price insurance coverage provider.

Buy lower-cost insurance coverage with these tips

Many different elements are used when premium rates are determined. A few of the factors are predictable like your driving record, although others are more obscure such as whether you are married or your vehicle rating.

  • Discounts for auto and home policies – Lots of insurance companies will give a discount to people that have more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to comparison shop to ensure the best deal.
  • Vehicle options that cut insurance coverage rates – Selecting a car model with advanced anti-theft systems can save you a little every year. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder vehicle theft.
  • Keep the miles off and save – The higher the mileage driven in a year’s time the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage based upon how much you drive. Vehicles not used for work or commuting receive better premium rates than vehicles that have high annual mileage. It’s a good idea to make sure your insurance coverage coverage shows the correct usage for each vehicle. Incorrect rating for your Sierra 3500HD may be costing you.
  • Which gender costs less? – Statistics demonstrate that females tend to be a little less risky than males. Now that doesn’t mean men are worse drivers. They both have accidents at about the same rate, but men tend to have higher claims. Men also tend to get higher numbers of serious violations such as DWI and reckless driving.
  • Marriage reduces risk – Having a significant other may cut your premiums when shopping for insurance coverage. It usually means you are more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • How much liability coverage – Your insurance coverage policy’s liability coverage will provide protection in the event that a court rules you are at fault for an accident. It provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not skimp.

Low cost car insurance quotes online

The majority of larger companies like Progressive, Allstate and GEICO make it easy to get insurance quotes directly from their websites. Getting quotes is quite simple as you simply enter your personal and coverage information into the form. When complete, their quoting system makes automated requests for your driving record and credit report and returns pricing information. Quoting online helps simplify price comparisons, but having to visit several different sites and fill out multiple forms is monotonous and tiresome. But it’s necessary to have as many quotes as possible if you want to get the lowest price.

A quicker way to find lower prices utilizes a single form that gets prices from more than one company. The form is fast, reduces the work, and makes online shopping much easier to do. Immediately after you send the form, it gets priced and you are able to buy any of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It just takes a couple of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you enter as close as possible to your current policy. Doing this assures you will be getting an apples-to-apples comparison using the exact same coverages.

Discounts for cheaper insurance rates

Insurance can be pricey, but there’s a good chance there are discounts that could help you make your next renewal payment. A few discounts will be applied when you purchase, but less common discounts must be specifically requested prior to getting the savings.

  • Military Rewards – Having an actively deployed family member could qualify you for better premium rates.
  • Sign Online – A handful of larger companies will discount your bill up to fifty bucks get auto insurance online.
  • Policy Bundle Discount – If you have multiple policies with one company you will save over 10 percent off each policy depending on the company.
  • Payment Method – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
  • Drive Safe and Save – Safe drivers can save as much as half off their rates on SierraHD insurance than drivers with accident claims.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
  • Driving Data Discount – Insureds who allow companies to monitor their driving habits through the use of a telematics system such as Progressive’s Snapshot may see discounts if their driving habits are good.
  • Senior Discount – If you’re over the age of 55, you could receive a slight reduction on a auto insurance quote on SierraHD insurance.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you could get a free insurance policy, insurance companies aren’t that generous.

Auto insurance companies that may offer quotes with some of the discounts shown above are:

Before you buy a policy, ask all the companies how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your area. To see a list of insurance companies that offer many of these discounts, click here.

Tailor your insurance coverage to you

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • What is an SR-22 filing?
  • What companies insure drivers after a DUI or DWI?
  • How can I get high-risk coverage after a DUI?
  • Can I afford low physical damage deductibles?
  • Is my nanny covered when driving my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Why is insurance for a teen driver so high?
  • Is my cargo covered for damage or theft?
  • What discounts do I qualify for?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Learning about specific coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your GMC Sierra 3500HD.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as repair costs for stationary objects, medical services, medical expenses, attorney fees and legal defense fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for collisions

Collision insurance will pay to fix damage to your Sierra 3500HD resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, driving through your garage door, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for EMT expenses, hospital visits, prosthetic devices and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a bird, a broken windshield and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Do the work, save more money

We just covered many ways to get a better price on 2016 GMC Sierra 3500HD insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive or GEICO.

Affordable 2016 GMC Sierra 3500HD insurance is definitely available online as well as from independent agents, so get free auto insurance quotes from both of them to have the best selection. There are still a few companies who don’t offer online rate quotes and many times these regional insurance providers only sell coverage through independent agents.

More tips and info about insurance can be read at these sites:

Comments About 2016 GMC Sierra 3500HD Insurance

  1. Diedre Booth

    I’m just north of Omaha, NE. I quoted with Auto-Owners, Eastwood, and Mercury for my GMC and I think I saved around $40 each month. They have a lot of discounts available. It’s easy to compare rates online now.

  2. Blaine Collier

    Any State Farm or Eastwood customers near Saint Paul, MN?

  3. Erick Chambers

    Well-written and thought out article. I’m just north of Huntington, West Virginia. Went online for free insurance quotes for a 2016 GMC Sierra 3500HD. Ended up at about $520 savings annually. Went with State Farm. Left Erie to switch.

  4. Nicolette Vargas

    Here’s what I found out. Went with Liberty Mutual for my 2016 GMC Sierra 3500HD and am saving around $130 a year. Was with MetLife. Good multi-policy discounts. I recommend comparing lots of rates.

  5. Leigha Christensen

    Good detail in your article. Checking in from Rockford, IL. Can’t remember who all I quoted but I ended up saving about $50 each month. I’m a pretty low risk driver. I got a quote from their website.

  6. Leonora Bean

    Live in the northern part of Biloxi, MS. Got car insurance prices from Allstate, AIG Insurance, Farmers, and GMAC for my Sierra 3500HD and saved just over $350 a year. I have kids on my policy, too. Not sure about claim service.

  7. Avery Lloyd

    How are claims handled by 21st Century around Fayetteville, AR?

  8. Luci Holloway

    Cheap is not always the best policy. From a town just southwest of Virginia Beach, VA. I quoted with Allstate, GMAC, and Eastwood for my 2016 GMC Sierra 3500HD and saved $101 a year. Left Hartford to switch. It’s still not cheap enough.

  9. Mitch Holder

    If you don’t have tickets and are close to Des Moines, Iowa, check out State Farm. They seem to be cheaper. Good savings if you bundle. I used their website to get prices.

  10. Anastasia Brooks

    Do I have to carry car insurance in Massachusetts?

  11. Jamison Ward

    Hope my rates come down. I live just outside Albuquerque, NM. Checked online prices for a 2016 GMC Sierra 3500HD. Ended up at about $130 savings annually. Went with Allstate. Was with Liberty Mutual. They have a lot of discounts available.