2015 GMC Sierra 1500 Insurance Quotes
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UPDATED: Aug 23, 2022
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Beginners to shopping for insurance online will find shopping for the lowest-priced insurance to be a formidable task.
Smart consumers take time to get comparison quotes periodically since rates change quite often. Even if you think you had the best price on Sierra coverage a year ago the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about insurance because it’s time to teach you one of the best ways to save on insurance.
If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. The purpose of this post is to introduce you to how to get online quotes and some money-saving tips. Although consumers must learn how companies compete online.
Finding Insurance Coverage
There are multiple methods to compare 2015 GMC Sierra 1500 insurance coverage quotes, and some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance companies in your area, or you could save time and use the web to quickly compare rates.
Most of the larger companies take part in a program where prospective buyers submit one quote, and each company returns a rated price based on the submitted data. This eliminates the need for quote requests to each company.
To find out how much you’re overpaying now click here (opens in new window).
The one downside to comparing rates this way is buyers cannot specifically choose the providers you want to price..
It’s up to you how you get prices quotes, just double check that you are using identical deductibles and coverage limits for every company. If you use different liability limits it’s impossible to determine the lowest rate for your GMC Sierra 1500. Having just a slight variation in limits may result in large price differences. Just keep in mind that quoting more helps you find the best price.
Buyer beware of insurance advertising tricks
Insurance companies such as 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all seem to have a common claim about savings if you change to their company. How do they all claim to save you money? It’s all in the numbers.
All companies can use profiling for the driver that earns them a profit. An example of a profitable customer could possibly be over the age of 50, has no tickets, and drives less than 10,000 miles a year. Any driver who fits that profile is entitled to the best price and as a result will probably save when switching.
Consumers who fall outside these standards must pay a higher premium and this can result in business not being written. The ads say “people who switch” not “everybody who quotes” save that much. That is how companies can make those claims.
This illustrates why you should get quotes from several different companies. It’s impossible to know which insurance companies will fit your personal profile best.
GMC Sierra 1500 insurance premiums are calculated by many factors
It’s important that you understand the factors that go into determining insurance rates. Knowing what controls the rates you pay enables informed choices that could result in big savings.
Listed below are some of the factors insurance companies consider when setting premiums.
- Keep rates low by being claim-free – Auto insurance companies generally give better rates to policyholders who are claim-free. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Rates may be higher depending on your occupation – Occupations such as real estate brokers, executives and dentists tend to pay the highest average rates because of job stress and lengthy work days. Other professions such as actors, historians and the unemployed have the lowest average rates on Sierra coverage.
- Adjust deductibles and save – The deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more money you have to pay, the less your company will charge you for insurance on Sierra coverage.
- Special features that cut premiums – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
- Drive less and save money – The more you drive in a year’s time the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Autos not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your insurance policy is showing the correct driver usage. If your policy improperly rates your Sierra 1500 may be wasting your money.
Don’t overlook these discounts
Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be specifically requested before you get the savings.
- Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
- Homeowners Savings – Owning a house may earn you a small savings because owning a home requires personal responsibility.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for better insurance coverage rates on Sierra coverage.
- New Car Discount – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
- Distant Student – Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
- Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
- Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
Drivers should understand that many deductions do not apply the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will help reduce your premiums.
Is my situation unique?
When it comes to buying proper insurance coverage, there is no perfect coverage plan. Each situation is unique.
For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.
- Is my 2015 GMC Sierra 1500 covered for smoke damage?
- What if I owe more than I can insure my car for?
- What companies insure drivers after a DUI or DWI?
- Why am I required to get a high-risk car insurance policy?
- Does my liability insurance cover pulling a trailer or camper?
- I have good health insurance, so how much medical payments coverage do I need?
- I have a DUI can I still get coverage?
- Is a blown tire covered by insurance?
- Am I covered if I drive in a foreign country?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Auto insurance 101
Learning about specific coverages of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.
This will pay to fix damage to your Sierra 1500 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a ditch, backing into a parked car, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for bills for nursing services, surgery, prosthetic devices, rehabilitation expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
Liability car insurance
This protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things such as repair costs for stationary objects, legal defense fees, loss of income and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2015 GMC Sierra 1500.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Spend less. Save more.
Budget-conscious 2015 GMC Sierra 1500 insurance is available on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
Consumers switch companies for a variety of reasons including denial of a claim, being labeled a high risk driver, policy non-renewal or delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.
We covered a lot of tips how to reduce insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a lesser-known regional company.
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