2022 GMC Sierra 3500HD Insurance Cost 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: Apr 16, 2024

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Looking for lower car insurance rates for your GMC Sierra 3500HD? Finding low-cost insurance for a new or used GMC Sierra 3500HD can turn out to be difficult, but you can use the following methods to make it easier.

There is a better way to find car insurance online and we’ll show you the best way to compare rates on a GMC and locate the cheapest rates from local insurance agents and online providers.

If you are insured now or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Shopping for cheaper coverage is easy if you know what you’re doing. Drivers only need to know how to shop online.

GMC Sierra 3500HD insurance price factors

It’s important that you understand the rating factors that are used to determine the level of your policy premiums. When you understand what influences your rates, this empowers consumers to make smart changes that can help you get lower premium levels. Many different elements are part of the calculation when you get a price on insurance. Some are obvious such as your driving history, but some are less apparent such as your credit history or your commute time.

  • Liability insurance is peace of mind – Liability insurance will afford coverage if a jury decides you are liable for damages from an accident. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not cut corners here.
  • Having a spouse is a good thing – Being married may earn you lower rates on your policy. Marriage may mean you are more stable financially it has been statistically shown that drivers who are married are more cautious.
  • Youthful drivers cost more – Young drivers are proven to be inattentive and easily distracted in a vehicle so they pay higher car insurance rates. Older insureds have been proven to be more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Accidents hurt – Having just one driving citation could increase your next policy renewal by as much as thirty percent. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Drivers unfortunate enough to have license-revoking violations like reckless driving or DUI may face state-mandated requirements to file a SR-22 to the state department of motor vehicles in order to legally drive.
  • Only buy coverage you need – There are many add-on coverages you can purchase but may not be useful. Add-on coverages like replacement cost coverage, accidental death, and motor club memberships may not be needed and are just wasting money. The coverages may be enticing when deciding what coverages you need, but now you might not need them so get rid of them and save.
  • Keep claims to a minimum – Auto insurance companies generally give discounts to drivers that do not abuse their auto insurance. If you’re an insured who likes to file claims you can look forward to higher rates. Auto insurance is meant to be used in the event of more catestrophic claims.
  • Use one insurance company and save – The majority of insurers will award better rates to buyers who carry more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even with this discount, consumers should still check prices from other companies to help ensure you have the lowest rates.

Find discounts on insurance

Insurance can cost an arm and a leg, but you might already qualify for some discounts to help bring down the price. A few discounts will be applied at the time of quoting, but a few must be inquired about before you get the savings.

  • Homeowners Pay Less – Owning your own home or condo can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Early Switch Discount – A few insurance companies allow discounts for buying a new policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Telematics Discount – Drivers that enable their insurance company to spy on where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
  • Government Employees – Active or former government employment may qualify for a discount when you quote insurance coverage for SierraHD insurance depending on your company.
  • Seat Belt Usage – Requiring all passengers to buckle up before driving could cut 10% or more off the medical payments premium.
  • Multiple Cars – Buying a policy with more than one vehicle on a single policy can reduce the rates for all insured vehicles.
  • Low Mileage – Driving less may enable drivers to earn slightly better insurance rates than normal.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Defensive Driver Discounts – Taking time to complete a class that teaches safe driver techniques is a good idea and can lower rates and also improve your driving technique.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business.

If you would like to view insurers that offer discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Why do I only qualify for high-risk insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I buy full coverage?
  • What is the difference between comprehensive and collision coverage?
  • Is my state a no-fault state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my GMC Sierra 3500HD covered if I use it for business?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage basics

Learning about specific coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills like dental work, doctor visits, funeral costs and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, falling objects, hail damage, fire damage and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

Liability insurance can cover damage or injury you incur to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, emergency aid, funeral expenses, pain and suffering and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your GMC Sierra 3500HD.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

Collision insurance covers damage to your Sierra 3500HD resulting 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 insurance covers claims such as crashing into a building, hitting a mailbox, sideswiping another vehicle and colliding with another moving vehicle. 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 bring the cost down.

And the best car insurance company is…

We just showed you many tips how you can compare 2022 GMC Sierra 3500HD insurance premium rates online. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may even find the lowest priced car insurance comes from the least-expected company.

Consumers switch companies for many reasons like lack of trust in their agent, questionable increases in premium, policy non-renewal and even high prices. Regardless of your reason, finding a new car insurance company can be less work than you think.

Lower-priced 2022 GMC Sierra 3500HD insurance can be found on the web and with local insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and these regional carriers only sell coverage through independent insurance agents.

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