View 2022 GMC Sierra 1500 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: Jun 6, 2024

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Are you at wits end from sacrificing to keep your car insured? You are in the same boat as many other drivers. Due to the increasing number of insurance companies to choose from, it can be challenging to choose a more affordable insurance company.

Consumers need to compare rates before your next renewal because insurance coverage rates fluctuate regularly. Just because you found the lowest rate on Sierra coverage on your last policy there is a good chance you can find better prices now. Forget all the misinformation about insurance coverage because you’re about to learn the fastest way to lower your rates without sacrificing coverage.

The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you should be able to save some money using these tips. Consumers just need to understand how to buy insurance online.

More discounts mean lower-cost premiums

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Many discounts should be triggered at quote time, but a few need to be specially asked for before they will apply.

  • Senior Citizens – Seniors are able to get lower premium rates on Sierra coverage.
  • Early Signing – A few larger companies allow discounts for switching companies prior to your current policy expiring. The savings is around 10%.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
  • Student Discount for Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • Accident Free – Drivers who don’t have accidents get the best insurance coverage rates in comparison to accident-prone drivers.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
  • Military Discounts – Having an actively deployed family member could qualify you for better rates.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, it’s just not the way it works.

If you would like to see a list of insurance coverage companies that provide some of the discounts listed above, enter your zip code here.

The best way to compare policy rates utilizes the fact most larger insurance companies allow for online access to provide you with free rate quotes. All consumers are required to do is give them rating details such as the ages of drivers, any included safety features, if you require a SR-22, and if the vehicle is leased. Your rating data is automatically sent to multiple different insurance companies and you should receive rate quotes immediately.

To compare multiple company rates now, click here and enter your coverage details.

Learn how to lower your insurance premiums

Multiple criteria are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other factors are not as apparent such as whether you are married and annual miles driven. Smart consumers have a good feel for the different types of things that are used to determine the rates you pay for insurance coverage. When you understand what influences your rates, this enables you to make decisions that can earn you cheaper rates.

  • Prevent your car from being stolen – Owning a car with an alarm system can earn a premium discount. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all hinder your car from being stolen.
  • Teenagers are high risk – Mature drivers are viewed as being more responsible, cause fewer claims and accidents and get fewer tickets. Teenage drivers tend to be more careless when driving so insurance coverage rates are higher.
  • Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less passed on to you as lower rates.
  • Your occupation and insurance coverage rates – Occupations such as fire fighters, business owners and dentists generally have higher average rates because of intense work-related stress and lengthy work days. On the other hand, jobs like farmers, students and homemakers pay the least on Sierra coverage.
  • Discounts for auto and home policies – Most larger insurance companies apply a discount to customers that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to guarantee you are still saving the most.

It’s not one size fits all

When it comes to choosing the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • Are rental cars covered under my policy?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving someone else’s vehicle?
  • Does my 2022 GMC Sierra 1500 qualify for pleasure use?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have newly-acquired coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out your zip code. It is quick, free and may give you better protection.

The coverage is in the details

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Collision insurance

Collision insurance pays for damage to your Sierra 1500 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2022 GMC Sierra 1500.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to a person or their 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 for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as pain and suffering, loss of income, repair bills for other people’s vehicles, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from 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 protects against things like fire damage, rock chips in glass, hitting a deer, damage from flooding and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like nursing services, dental work, ambulance fees and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Buy Smart and Save

When shopping online for insurance, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best cost.

The cheapest 2022 GMC Sierra 1500 insurance is possible from both online companies as well as from independent agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and many times these small, regional companies prefer to sell through local independent agencies.

In this article, we presented a lot of information how to reduce 2022 GMC Sierra 1500 insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest prices come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

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