How Much Does 2013 GMC Sierra 3500HD Car Insurance Cost?

Want cheaper car insurance rates for your GMC Sierra 3500HD? If you are new to getting insurance coverage quotes online, it’s easy to get baffled because of the huge number insurance agents and companies offering insurance.

This article will tell you how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Nevertheless, vehicle owners can benefit from knowing how companies price online insurance and take advantage of how the system works.

Reduce your car insurance rates with discounts

Some insurance providers don’t always list every disount available very well, so we researched a few of the more well known in addition to some of the lesser obvious credits available to you.

• No Claims – Drivers with accident-free driving histories get the best car insurance rates compared to accident-prone drivers.
• Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you may have a lower total premium amount.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.
• Waiver for an Accident – Not really a discount, but certain companies may permit one accident without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
• Senior Citizen Rates – Drivers over the age of 55 may qualify for a discount up to 10% for SierraHD insurance.
• Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could save 15% off PIP or medical payments premium.

As a disclaimer on discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you could get a free car insurance policy, company stockholders wouldn’t be very happy.

A list of car insurance companies and their offered discounts can be found below.

• State Farm may offer discounts for passive restraint, good driver, anti-theft, Steer Clear safe driver discount, good student, and multiple autos.
• Geico offers discounts including military active duty, membership and employees, five-year accident-free, seat belt use, and good student.
• Allstate policyholders can earn discounts including senior citizen, safe driver, good payer, defensive driver, good student, EZ pay plan discount, and premier plus.
• SAFECO offers premium reductions for teen safe driver, anti-theft, safe driver, drive less, and accident prevention training.
• Farm Bureau may have discounts that include good student, driver training, youthful driver, renewal discount, multi-vehicle, and 55 and retired.
• Progressive discounts include multi-policy, good student, homeowner, online quote discount, continuous coverage, multi-vehicle, and online signing.
• AAA has savings for multi-car, good student, good driver, AAA membership discount, pay-in-full, education and occupation, and anti-theft.

Before buying, ask each company or agent which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your area. If you would like to see a list of companies that offer many of these discounts, follow this link.

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You are unique and your auto insurance should be too

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions could help you determine whether you would benefit from an agent’s advice.

• Is my 2013 GMC Sierra 3500HD covered for flood damage?
• Does my liability insurance cover pulling a trailer or camper?
• Is my nanny covered when driving my vehicle?
• Does coverage extend to a rental car in a foreign country?
• Do I have coverage when making deliveries for my home business?
• Why does it cost so much to insure a teen driver?
• Are all vehicle passengers covered by medical payments coverage?
• Is business equipment covered while in my vehicle?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Well known brands might not be cheapest

Well-known car insurance companies like Progressive, Geico, Allstate and State Farm continually stream ads on TV and radio. All the ads tend to make the same promise about saving some big amount if you switch to their company. That’s great but how can every company make the same claim? This is the way they can do it.

Insurance companies have an ideal profile for a prospective insured that will not have excessive claims. For instance, a desirable insured may need to be a married male, has few claims, and has excellent credit. Any customer that fits those parameters will get low rates and will most likely save some money.

Potential customers who don’t measure up to the ideal profile will have to pay higher premium rates and business not being written. The ad wording is “people that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why insurance companies can lure you into getting a quote.

Each company has different criteria, so it’s extremely important to compare quotes as often as possible. It’s not possible to predict with any certainty which company will give you lower prices than your current company.

Auto insurance coverages

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a deer, damage from flooding and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Sierra 3500HD from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like funeral costs, dental work, doctor visits and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It 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 injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, funeral expenses and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

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Final considerations

The cheapest 2013 GMC Sierra 3500HD insurance can be found both online in addition to many insurance agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some insurance coverage companies may not have price quotes online and usually these smaller companies work with independent insurance agents.

We just covered a lot of information how to get a better price on 2013 GMC Sierra 3500HD insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a lesser-known regional company.

When shopping online for insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

Additional resources

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• How Much are Tampa Auto Insurance Rates for a GMC Sierra? (TampaCoverage.com)
• Things to Know Before you Cancel Insurance (Allstate)
• Cellphones, Texting and Driving (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Auto Insurance 101 (About.com)
• Safety Tips for Teen Drivers (Insurance Information Insitute)

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