2011 GMC Sierra 3500HD Insurance Quotes – 8 Savings Tips

Trying to find the cheapest car insurance rates for your GMC Sierra 3500HD? Sick and tired of trying to scrape together enough money to insure your GMC every month? You’re in the same situation as the majority of other car owners.

Insurance companies such as Geico, Farmers Insurance and State Farm all promote huge savings with fancy advertisements and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Finding the best rates is quite easy. But vehicle owners do need to learn how the larger insurance companies determine prices and apply this information to your search.

Are you getting all your discounts?

Auto insurance companies don’t list every discount very well, so we took the time to find both well-publicized and the more hidden ways to save on car insurance.

  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Fewer Miles Equal More Savings – Fewer annual miles on your GMC can earn better rates on cars that stay parked.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Driver Safety – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Good Student – Performing well in school can save 20 to 25%. This discount can apply up to age 25.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of providers who offer car insurance discounts, click here to view.

Free Quotes for Car Insurance

There are several ways to compare rate quotes from car insurance companies in your area. One of the best ways to find the cheapest 2011 GMC Sierra 3500HD insurance rates is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to find low rates is a comparison rater form like this one (opens in new window). This method eliminates the need for repetitive form entry to each individual car insurance company. Filling out one form gets you price quotes from multiple companies.
  • A more time consuming way to obtain and compare quotes online is going to the website for each individual company and request a quote. For sake of this example, let’s assume you want to compare Farmers, Esurance and Geico. You would have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

However you get your quotes, be sure to compare the exact same quote information with each company. If you use different liability limits it will be next to impossible to make a fair comparison for your GMC Sierra 3500HD. Slightly different limits could mean much higher rates. And when comparing car insurance rates, know that comparing more company’s prices will increase your chances of finding lower pricing.

Tailor your coverage to you

When buying the best insurance coverage coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • Where can I find high-risk insurance?
  • How much liability do I need to cover my assets?
  • Is there coverage for injuries to my pets?
  • What are the financial responsibility laws in my state?
  • Do I really need UM/UIM coverage?
  • What discounts do I qualify for?
  • Is pleasure use cheaper than using my 2011 GMC Sierra 3500HD to commute?
  • How does medical payments coverage work?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Information about specific coverages

Understanding the coverages of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Liability insurance

This coverage can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, bail bonds, repair costs for stationary objects and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, a tree branch falling on your vehicle, theft, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision protection

This covers damage to your Sierra 3500HD resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, colliding with a tree, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your GMC Sierra 3500HD.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Be a penny pincher

We covered many ideas to reduce 2011 GMC Sierra 3500HD insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced collision coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

More tips and info about auto insurance can be read by following these links: