2009 GMC Sierra 3500HD Insurance Cost

Expensive GMC Sierra 3500HD insurance can overdraw your personal savings and force you to cut corners elsewhere.

Since vehicle owners have many different company options, it can be hard to pick the best insurance provider.

How to shop insurance coverage online

There are multiple methods to compare insurance coverage quotes, but some are less time-consuming than others. You can waste a lot of time talking to insurance companies in your area, or you could use the internet to accomplish the same thing much quicker.

The majority of car insurance companies belong to a marketplace that allows shoppers to complete one form, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do repetitive form submissions for every insurance coverage company.

To compare rates using this form now click to open in new window.

The only downside to using this type of system is that consumers can’t choose which insurance companies you will receive quotes from. So if you prefer to choose specific insurance companies for rate comparison, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

The method you choose is up to you, but be certain you are entering identical information for each price quote. If the quotes have unequal deductibles or liability limits it’s impossible to determine which company has the best rates. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, comparing a large number of companies helps locate lower pricing.

How do insurance companies determine GMC Sierra 3500HD insurance premiums?

Part of the insurance coverage buying process is learning the factors that go into determining the price you pay for insurance coverage. When consumers understand what determines premiums, this allows you to make good choices that can earn you much lower annual insurance costs. Multiple criteria are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but some are not quite as obvious like where you live or how financially stable you are.

  • Gals tend to take less risk – Over the last 30 years, statistics show females are less aggressive when driving. Now that doesn’t mean males are worse at driving than females. They both cause fender benders at a similar rate, but men cause more damage. Not only that, but men also have more aggressive citations like driving under the influence (DUI). Teenage male drivers are the most expensive to insure so they pay the highest premiums.
  • Responsible credit equals lower rates – Credit score factor in calculating your insurance coverage rates. Therefore, if your credit could use some work, you may save money insuring your 2009 GMC Sierra 3500HD if you clean up your credit. Drivers with high credit scores tend to be better risks to insure than those with lower credit scores.
  • Costs increase with policy add-ons – There are a lot of optional add-on coverages that you can get tricked into buying on your Sierra 3500HD policy. Coverages for coverage for rental cars, accidental death, and term life insurance are probably not needed. They may seem like a good idea when you first buy your policy, but if you have no use for them remove them and pocket the money.
  • Don’t let your policy lapse – Having a lapse in insurance coverage can be a sure-fire way to bump up your insurance coverage costs. Not only will rates go up, being ticketed for driving with no insurance could earn you a license revocation or jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Traffic violations cost more than a fine – Whether or not you get tickets has a huge affect on how much you pay. Good drivers pay lower auto insurance prices as compared to those with violations. Having just one citation can increase the cost of insurance by as much as thirty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state in order to prevent a license revocation.

More discounts mean affordable premiums

Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can help lower your rates. Some of these disounts will be visible at the time you complete a quote, but some discounts are required to be asked for in order for you to get them.

  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
  • One Accident Forgiven – Not necessarily a discount, but companies like Geico and Allstate permit an accident before raising your premiums so long as you are claim-free prior to the accident.
  • Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
  • Accident Free – Good drivers with no accidents get the best auto insurance rates as opposed to insureds who have frequent claims or accidents.
  • Drivers Education – Teen drivers should enroll in driver’s education as it can save substantially.
  • Discount for Life Insurance – Select companies reward you with a discount if you purchase some life insurance too.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
  • Defensive Driving Course – Participating in a defensive driver course could cut 5% off your bill if you qualify.
  • Multi-car Discount – Insuring primary and secondary vehicles on one policy can get a discount for every vehicle.

Remember that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts should help reduce the cost of coverage.

A few popular companies and a selection of discounts can be found below.

  • Progressive policyholders can earn discounts including homeowner, multi-policy, online signing, continuous coverage, good student, and multi-vehicle.
  • AAA includes discounts for AAA membership discount, multi-policy, multi-car, good student, and good driver.
  • Farmers Insurance discounts include business and professional, alternative fuel, good student, switch companies, electronic funds transfer, and distant student.
  • Geico may include discounts for federal employee, good student, defensive driver, multi-vehicle, military active duty, and five-year accident-free.
  • Esurance has savings for defensive driver, good student, Pac-12 alumni, paid-in-full, and multi-policy.
  • SAFECO may have discounts that include anti-theft, bundle discounts, safe driver, multi-car, teen safety rewards, and drive less.
  • State Farm may offer discounts for multiple policy, Steer Clear safe driver discount, student away at school, driver’s education, safe vehicle, multiple autos, and good driver.

Check with every insurance company how you can save money. Depending on the company, some discounts might not apply in every state. To view auto insurance companies that offer many of these discounts, click here to view.

It’s not one size fits all

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Where can I get insurance after a DUI in my state?
  • Does coverage extend to my business vehicle?
  • What are the financial responsibility laws in my state?
  • Should I buy only the required minimum liability coverage?
  • When should I drop full coverage on my 2009 GMC Sierra 3500HD?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Educate yourself about car insurance coverages

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like ambulance fees, pain medications, nursing services, funeral costs and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision protection

Collision insurance covers damage to your Sierra 3500HD caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 2009 GMC Sierra 3500HD.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things like funeral expenses, repair bills for other people’s vehicles, attorney fees and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Knowledge is power

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

You just learned a lot of information how to get a better price on 2009 GMC Sierra 3500HD insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable auto insurance. You may even discover the lowest priced auto insurance comes from some of the smallest insurance companies. They may only write in your state and offer lower prices compared to the large companies like Progressive or Geico.

Much more information about auto insurance is located at these links: