Save on 2013 GMC Sierra 1500 Car Insurance Cost

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy. Online insurance companies like State Farm, GEICO and Farmers Insurance promote their brand names with catchy ads and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.

Smart consumers take time to do rate comparisons quite often due to the fact that insurance rates change frequently. Even if you got the best deal on Sierra coverage two years ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because you’re about to learn how to use the internet to eliminate unnecessary coverages and save money.

Compare Quotes for Auto Insurance

There are a lot of ways to compare auto insurance quotes, and some are easier and takes less work. You can waste hours talking about coverages with agents in your area, or you can utilize the web to achieve your goal.

Many popular insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and every company can provide price quotes based on that data. This prevents consumers from doing form submissions to each company.

To compare pricing click here to start a free quote.

The one disadvantage to doing it this way is that consumers can’t choose which insurance companies you want pricing from. If you wish to select specific insurance companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, make darn sure you compare identical coverage information for each comparison quote. If each company quotes different liability limits it will be next to impossible to find the best deal for your GMC Sierra 1500.

Do car insurance companies bend the truth?

Drivers constantly see and hear ads for cheaper car insurance by companies like Allstate, GEICO and Progressive. All the companies make an identical promise about savings if you move to them.

How does each company say the same thing? This is how they do it.

Different companies are able to cherry pick for the driver that makes them money. For example, a driver they prefer could be between the ages of 40 and 55, owns a home, and has great credit. A customer getting a price quote who fits that profile receives the best rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for the requirements must pay higher prices which usually ends up with business going elsewhere. The ads state “customers who switch” not “everyone that quotes” save that much money. That is how companies can truthfully make those claims.

This illustrates why you absolutely need to compare as many rates as you can. It’s just too difficult to predict which car insurance company will have the lowest GMC Sierra 1500 insurance rates.

GMC Sierra 1500 rates are in the details

Consumers need to have an understanding of some of the elements that play a part in calculating your insurance coverage rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are some of the factors used by your company to calculate premiums.

  • Adjust deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your GMC from damage. Some examples of claims that would be covered could be collision with another vehicle, damage caused by hail, or theft. Deductibles for physical damage are the amount of money you are required to spend in the event of a claim. The more expense the insured has to pay upfront, the bigger discount you will receive on Sierra coverage.
  • Never allow your policy to lapse – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • More miles equals more premium – The more you drive in a year’s time the higher your rates will be. Most companies apply a rate based on how the vehicle is used. Cars used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. If your policy improperly rates your Sierra 1500 can cost quite a bit. Double check that your insurance coverage policy is showing the correct driver usage, because it can save money.
  • Do you need the policy add-ons? – There are many extra bells and whistles that can waste your money if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Being married is a good thing – Being married helps lower the price when buying insurance coverage. It usually means you are more mature it has been statistically shown that being married results in fewer claims.
  • More claims means more premium – Car insurance companies award better rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is designed for the large, substantial claims.

These discounts can lower your rates

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but some may not be applied and must be asked for before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

  • Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Own a Home – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.

Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.

A partial list of companies that possibly offer these discounts include:

Double check with each company what discounts are available to you. Some discounts might not be offered in your state.

Different people need different coverages

When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation will benefit from professional help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I drive in a foreign country?
  • Is a fancy paint job covered?
  • Will filing a claim cost me more?
  • Is my cargo covered for damage or theft?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy specifics

Understanding the coverages of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by car insurance companies.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, prosthetic devices, rehabilitation expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection – This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hail damage and theft. 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.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your GMC Sierra 1500.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Liability – Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle 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 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair bills for other people’s vehicles, bail bonds, pain and suffering and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Buy Smart and Save

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Affordable 2013 GMC Sierra 1500 insurance can be found on the web and with local insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Additional auto insurance information is available below: