View 2018 GMC Sierra 2500HD Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 7, 2024

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Are you tired of sacrificing other expenses to make your insurance payment? You are no different than most other people.

Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.

It’s a great practice to take a look at other company’s rates yearly because prices are adjusted regularly by insurance companies. Just because you had the lowest price on SierraHD coverage at your last renewal you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

Drivers can save with with these discounts

Auto insurance is not inexpensive, but there could be available discounts to cut the cost considerably. Certain reductions will be credited at the time of quoting, but some discounts are required to be manually applied in order for you to get them.

  • Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and will qualify for a discount on a insurance coverage quote.
  • Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease on SierraHD coverage depending on your company.
  • Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates on SierraHD coverage than less cautious drivers.
  • Early Switch Discount – A few larger companies offer discounts for switching to them before your current coverage expires. You can save around 10% with this discount.
  • Senior Discount – Mature drivers could receive a small discount on rates on SierraHD coverage.
  • Low Mileage – Low mileage vehicles can qualify you for cheaper auto insurance rates.

Remember that most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, you’re out of luck.

Some of the insurance companies who may offer these benefits are:

  • Farmers Insurance
  • Esurance
  • State Farm
  • Allstate

Before you buy a policy, ask every prospective company which discounts they offer. Some of the discounts discussed earlier may not apply in your area. If you would like to see a list of auto insurance companies with discount auto insurance rates, enter your zip code here.

How much does auto insurance cost?

Most major insurance companies such as State Farm and Allstate allow consumers to get insurance quotes on the web. The process is fairly straightforward as all you need to do is type in your coverage information as detailed in the form. Once entered, the company’s rating system makes automated requests for your credit score and driving record and generates pricing information based on the information you submitted. Online quotes streamlines rate comparisons, but the process of having to visit a lot of sites and type in the same data gets old quite quickly. Unfortunately, it is important to perform this step in order to get a better rate.

There is a better way!

An easier way to locate the lowest prices makes use of a single form to obtain quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes online price comparison a lot less work. After your information is entered, it is quoted with multiple companies and you can pick any of the resulting price quotes.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes less than 15 minutes and may save quite a bit of money.

To quickly compare rates using this form now, simply enter your zip code here and begin entering your coverage information. If you have coverage now, it’s recommended you enter the limits and deductibles exactly as shown on your declarations page. This helps ensure you are getting a fair comparison based on similar coverages.

How your Sierra 2500HD insurance costs are determined

Multiple criteria are used when you get your auto insurance bill. Some factors are common sense such as traffic violations, although others are not quite as obvious like your continuous coverage or your commute time.

  • Frequent insurance claims increase rates – Car insurance companies give lower rates to people that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is designed for the large, substantial claims.
  • Maintain auto insurance coverage – Letting your insurance expire is a quick way to increase your rates. Not only will rates go up, being ticketed for driving with no insurance will get you fines and jail time.
  • Is you employer costing you more? – Did you know that where you work can have an impact on rates? Careers such as real estate brokers, air traffic controllers and stock brokers generally have higher premiums than the average policyholder due to high stress and incredibly demanding work hours. On the other hand, careers such as farmers, athletes and the unemployed have the lowest average rates on SierraHD coverage.
  • Additional coverages that may be costing you – There are many extra bells and whistles that you can get tricked into buying if you don’t pay attention. Insurance for personal injury protection, accident forgiveness, and term life insurance may be costing you every month. The coverages may be enticing when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.

Your situation helps dictate your coverage

When it comes to choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining if you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • Are my friends covered when driving my 2018 GMC Sierra 2500HD?
  • Are my friends covered when driving my car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Auto insurance companies are expert advertisers

Auto insurance providers like State Farm and Allstate consistently run television and radio advertisements. All the ads tend to make the same promise that you can save after switching your policy. But how can every company lower your premium rates? Here is the trick they use.

Most companies have specific guidelines for the type of customer that makes them money. For example, a profitable insured might have to be between the ages of 30 and 50, has few claims, and insures a new vehicle. A driver who matches those parameters will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Consumers who do not match this ideal profile will be quoted higher premium rates which leads to the customer not purchasing. The ads state “people that switch” not “everyone that quotes” save that much. That is how insurance companies can confidently make those statements.

Different companies use different criteria so you need to compare free insurance coverage quotes often. It’s just too difficult to predict which insurance companies will be your best fit.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from flooding, damage from a tornado or hurricane, falling objects and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your Sierra 2500HD from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, damaging your car on a curb, colliding with a tree, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your GMC Sierra 2500HD.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like X-ray expenses, surgery and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, funeral expenses and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

In Summary

We covered some good ideas how to reduce 2018 GMC Sierra 2500HD insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable insurance coverage. Consumers could even find that the most savings is with the least-expected company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are many occasions where someone dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

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