Cheapest 2014 GMC Sierra 1500 Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as most other car owners.
You have so many insurers to choose from, and although it’s nice to have a selection, so many choices can make it hard to find the lowest cost provider.
It’s smart to check insurance prices at least once a year because rates go up and down regularly. Even if you think you had the best deal for Sierra insurance last year the chances are good that you can find a lower rate today. There is a lot of bad information regarding insurance online, so I’m going to show you some proven techniques to put money back in your pocket.
Finding the best rates is not rocket science. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. But car owners benefit from understanding the way insurance companies price online insurance.
Take advantage of discounts
Companies offering auto insurance don’t list all available discounts very clearly, so we break down some of the best known and the harder-to-find insurance savings.
- Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
- Multiple Policy Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
- Accident Waiver – Certain companies permit an accident before your rates go up if you are claim-free prior to the accident.
- Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
- Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
- Senior Citizens – Mature drivers may qualify for better insurance rates for Sierra insurance.
- Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
- Good Student – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, insurance companies aren’t that generous.
Insurance Coverage Prices Online
Most companies like Progressive, GEICO, Allstate and State Farm give coverage prices online. Getting online quotes doesn’t take a lot of time as you simply enter the amount of coverage you want into the quote form. When complete, the system will order information on your driving record and credit history and returns a price based on these and other factors. Online quotes simplifies rate comparisons, but the time required to go to several different sites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to perform this step if you are searching for the lowest possible prices on insurance coverage.
A more efficient way to lower your insurance coverage bill uses one simple form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online shopping much easier. After sending your information, it is rated with multiple companies and you can pick your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and you will know how your current rates stack up.
To quickly find out how much you can save on insurance coverage, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you copy the limits and deductibles just like they are on your policy. Doing this guarantees you will have a price comparison using the same coverage and limits.
How to know if you need help
When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.
- Do I need an umbrella policy?
- Am I covered if I break a side mirror?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I have coverage for damage caused while driving under the influence?
- Are split liability limits better than a combined single limit?
- Am I covered when driving in Canada or Mexico?
- Should I carry comprehensive and collision coverage?
- Should I have a commercial auto policy?
- How do I buy GAP insurance?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Understanding the coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by insurance companies.
Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses such as surgery, X-ray expenses, prosthetic devices, rehabilitation expenses and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
Liability coverages – Liability insurance protects you from damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability can pay for things like funeral expenses, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2014 GMC Sierra 1500.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.
Collision – Collision coverage covers damage to your Sierra 1500 from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as colliding with a tree, rolling your car, sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like damage from getting keyed, damage from a tornado or hurricane, hitting a deer, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Coverage on a shoestring budget
As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured dropped liability coverage limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at an affordable rate.
We’ve covered some good ideas how to get a better price on 2014 GMC Sierra 1500 insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even find the lowest priced car insurance comes from an unexpected company. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- Information for Teen Drivers (GEICO)
- Things to Know Before you Cancel Insurance (Allstate)
- Insuring a Leased Car (Insurance Information Insitute)
- Cellphones, Texting and Driving (iihs.org)
Frequently Asked Questions
How can I find the cheapest insurance for my 2014 GMC Sierra 1500?
Finding the cheapest insurance for your 2014 GMC Sierra 1500 requires some research and comparison shopping. Here are a few steps you can take:
- Gather quotes from multiple insurance providers: Contact different insurance companies and request quotes specifically for your GMC Sierra 1500. This will give you an idea of the range of prices available.
- Compare coverage options: While it’s important to consider price, also compare the coverage and benefits offered by different insurance policies. Ensure that the policy you choose adequately protects you and your vehicle.
- Check for discounts: Inquire about any discounts that may be available to you, such as safe driver discounts, multi-policy discounts, or loyalty discounts. These can help lower your insurance premium.
- Consider raising your deductible: Increasing your deductible—the amount you pay out of pocket before insurance kicks in—can lower your premium. However, make sure you can afford the higher deductible if you need to file a claim.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you secure lower insurance rates.
Are there any specific factors that affect the insurance cost for a 2014 GMC Sierra 1500?
Yes, several factors can influence the cost of insurance for your 2014 GMC Sierra 1500. These may include:
- Your location: Insurance rates can vary based on the area where you live. High-crime areas or regions prone to severe weather can result in higher premiums.
- Driving record: If you have a history of accidents or traffic violations, your insurance rates may be higher.
- Age and experience: Younger drivers, particularly those with less driving experience, tend to pay higher insurance premiums.
- Vehicle usage: The frequency and purpose for which you use your GMC Sierra 1500 can impact your insurance rates. For example, using it for commercial purposes or extensive commuting may lead to higher premiums.
- Safety features: The presence of safety features in your Sierra 1500, such as anti-theft devices, airbags, or advanced driver assistance systems, may lead to lower insurance rates.
Can I lower my insurance costs by installing safety features in my 2014 GMC Sierra 1500?
Yes, adding safety features to your 2014 GMC Sierra 1500 can potentially lower your insurance costs. Insurance companies often offer discounts for vehicles equipped with safety features that reduce the risk of accidents or theft. Examples of such features include anti-lock brakes (ABS), traction control, stability control, airbags, anti-theft systems, and backup cameras. Be sure to inform your insurance provider about any safety features installed in your vehicle to take advantage of potential discounts.
Are there any specific insurance companies known for offering affordable rates for a 2014 GMC Sierra 1500?
The insurance rates offered by companies can vary depending on various factors, including your location, driving record, and coverage needs. It’s recommended to obtain quotes from multiple insurance providers and compare their rates and coverage options to find the most affordable option for your 2014 GMC Sierra 1500. Additionally, you can consider reaching out to insurance agents or brokers who can assist you in finding competitive rates tailored to your specific circumstances.
Can I reduce my insurance costs by opting for a higher deductible?
Yes, choosing a higher deductible can potentially reduce your insurance costs. A deductible is the amount you agree to pay out of pocket before your insurance coverage begins. By opting for a higher deductible, you are taking on more financial responsibility in the event of an accident or claim. As a result, insurance companies may offer lower premium rates since you are assuming a greater portion of the risk. However, it’s important to evaluate your financial situation and choose a deductible amount that you can comfortably afford to pay if needed.
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