Compare 2012 GMC Sierra 2500HD Insurance Quotes

Do you get frustrated by the number of insurance providers in your area? consumers have so many options that it can turn into a difficult mission to find lower prices.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. This article will let you in on how to get online quotes and some tips to save money. Although vehicle owners need to learn how big insurance companies determine prices.

Discounts to earn affordable auto insurance rates

Companies offering auto insurance don’t always advertise every discount very clearly, so the next list breaks down some of the more common as well as some of the hidden credits that may apply to you.

  • Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% on SierraHD coverage with some auto insurance companies.
  • Active Military Service – Having a deployed family member could qualify you for better auto insurance rates.
  • Professional Memberships – Joining qualifying employment or professional organizations is a good way to get lower rates when shopping for auto insurance.
  • Theft Prevention System – Vehicles with anti-theft systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
  • Auto/Home Discount – When you combine your auto and home insurance with the same company you will save at least 10% off all policies.
  • Low Mileage – Driving fewer miles may enable drivers to earn better prices on cars that stay parked.
  • Pay Upfront and Save – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
  • Braking Control Discount – Vehicles with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
  • Discount for Life Insurance – Some insurance companies give a discount if you purchase some life insurance in addition to your auto policy.
  • Driving Data Discount – Drivers that enable their auto insurance company to study vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.

Just know that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way.

Popular auto insurance companies and a partial list of their discounts are detailed below.

  • Geico includes discounts for five-year accident-free, federal employee, air bags, membership and employees, military active duty, defensive driver, and anti-lock brakes.
  • USAA offers discounts including annual mileage, loyalty savings, multi-policy, safe driver, and multi-vehicle.
  • Progressive has discounts for online quote discount, online signing, multi-policy, multi-vehicle, continuous coverage, homeowner, and good student.
  • American Family offers discounts for good student, defensive driver, TimeAway discount, early bird, accident-free, Steer into Savings, and air bags.
  • Esurance has savings for paid-in-full, anti-lock brakes, homeowner, claim free, good driver, and online quote.
  • Farmers Insurance offers premium reductions for teen driver, bundle discounts, good student, switch companies, alternative fuel, and pay in full.
  • State Farm may have discounts that include student away at school, defensive driving training, good driver, anti-theft, Drive Safe & Save, and driver’s education.

If you are trying to find low cost auto insurance quotes, ask every company which discounts you qualify for. Some discounts may not apply to policies in your area.

How much does insurance cost?

There are multiple methods to shop for insurance, but some are easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use the internet to quickly compare rates.

Most of the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and each participating company provides a quote for coverage. This prevents consumers from doing quote requests to each individual insurance company.

To enter your information into the quoting system, click here to start a free quote.

The one downside to using this type of form is that consumers can’t choose which carriers to get pricing from. So if you prefer to pick individual companies to compare rates, we have a page of the cheapest insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but try to keep identical coverage limits on every price quote you get. If you are comparing different liability limits it’s impossible to determine which rate is truly the best. Just slight variations in insurance coverages or limits may result in a large different in cost. It’s important to know that comparing a wide range of rates helps you find lower pricing. Some insurance companies are not set up to provide quotes online, so you need to compare price estimates on coverage from those companies, too.

Decisions you make can impact your insurance prices

Lots of things are used when you get a price on insurance. Some are pretty understandable like an MVR report, but others are more transparent such as your credit history or your vehicle rating.Consumers need to have an understanding of some of the elements that aid in calculating your premiums. When you understand what influences your rates, this helps enable you to make changes that may reward you with lower premium levels.

  • Rural vs Urban Areas – Having an address in a small town is a good thing if you are looking for the lowest rates. Urban drivers regularly have congested traffic and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims.
  • Accidents increase rates – Having a single ticket can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers with dangerous violations such as DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state in order to keep their license.
  • How many coverages with the same company – Most insurance companies will give a discount to people that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to five, ten or even twenty percent. Even with this discount applied, it’s in your best interest to check prices from other companies to help guarantee you have the best rates.
  • Youthful drivers pay higher rates – Youthful drivers are proven to be easily distracted when driving with friends and because of this, their auto insurance rates are much higher. If you’ve ever had to add a inexperienced driver onto your auto insurance will cause a huge premium hike. Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents and get fewer tickets.
  • Higher comp and collision deductibles lower rates – Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of covered claims are a windshield broken by a bird, hail damage, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the lower your rates will be on SierraHD coverage.
  • Why do you need liability insurance? – Your auto insurance policy’s liability coverage provides coverage when a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense starting from day one. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
  • Allowing your policy to lapse raises premiums – Driving without insurance is against the law and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance can result in fines or a revoked license.
  • Prevent your car from being stolen – Choosing to buy a car with an alarm system can earn a premium discount. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Does my insurance cover my expensive audio equipment?
  • Does my 2012 GMC Sierra 2500HD qualify for pleasure use?
  • When do I need to add a new car to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need PIP coverage since I have good health insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Switch companies and save? Really?

Companies like Geico, State Farm and Progressive endlessly run television, radio, and online ads. They all seem to make the point that you can save if you just switch your insurance policy to them. How does every company give you a lower rate? Just pay attention to how they say it.

Companies are able to cherry pick for a prospective insured they prefer to insure. A good example of a preferred risk should be a mature driver, has few claims, and drives less than 7,500 miles a year. Anybody who matches that profile gets the lowest premium rates and will save a lot of money.

People who do not match the requirements will get higher prices and this results in business going elsewhere. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” save money. That’s why companies can truthfully make those statements. This really illustrates why it’s extremely important to compare as many free auto insurance quotes as you can. It is impossible to guess the company that will provide the lowest rates.

Specific coverage details

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability auto insurance

This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like legal defense fees, medical expenses and funeral expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your GMC Sierra 2500HD.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision coverage will pay to fix damage to your Sierra 2500HD resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, crashing into a building, backing into a parked car, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses like rehabilitation expenses, nursing services and ambulance fees. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers claims such as damage from a tornado or hurricane, theft, rock chips in glass and hail damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More effort can pay off

People leave their current company for many reasons like delays in paying claims, unfair underwriting practices, poor customer service and denial of a claim. No matter why you want to switch, choosing a new company can be less work than you think.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

More affordable car insurance can be sourced both online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and these small, regional companies prefer to sell through local independent agencies.

Additional information