2013 GMC Sierra 1500 Insurance Rates – 6 Savings Tips

Tired of not being able to afford each month for insurance? You are no different than many other vehicle owners.

Having so many choices of insurance companies, it’s difficult to locate the cheapest insurance company.

Consumers need to compare rates quite often because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Sierra insurance last year there is a good chance you can find better premium rates now. There are a lot of ways to save on insurance online but you can learn some excellent ideas to lower your insurance rates.

Cheaper insurance coverage rates with discounts

Properly insuring your vehicles can get expensive, but there could be significant discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be manually applied before you will receive the discount.

  • Telematics Devices – Drivers that enable their insurance coverage company to look at when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.
  • Paper-free Discount – Some companies give back up to $50 for buying your policy digitally online.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • Professional Memberships – Participating in qualifying employment or professional organizations can get you a small discount when shopping for insurance coverage.
  • Multi-line Discount – Select companies reward you with a small discount if you purchase a life insurance policy as well.
  • Discount for Home Ownership – Owning a home may trigger a policy discount on insurance coverage since owning and maintaining a home is proof that your finances are in order.

Remember that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, you aren’t that lucky.

Large insurance coverage companies and their offered discounts are detailed below.

  • Progressive includes discounts for multi-policy, good student, homeowner, continuous coverage, and online quote discount.
  • Farmers Insurance may have discounts that include youthful driver, alternative fuel, mature driver, business and professional, distant student, and early shopping.
  • Farm Bureau has discounts for renewal discount, multi-vehicle, driver training, multi-policy, good student, and 55 and retired.
  • State Farm offers discounts for defensive driving training, student away at school, accident-free, safe vehicle, Drive Safe & Save, multiple policy, and Steer Clear safe driver discount.
  • Geico policyholders can earn discounts including daytime running lights, membership and employees, military active duty, good student, anti-theft, and anti-lock brakes.
  • SAFECO discounts include anti-theft, multi-car, teen safety rewards, safe driver, accident prevention training, anti-lock brakes, and drive less.
  • Liberty Mutual may offer discounts for newly retired, exclusive group savings, good student, newly married, and multi-car.

Before purchasing a policy, check with each insurance company which credits you are entitled to. Some credits may not apply in your area. If you would like to view insurers with discount insurance coverage rates, click this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can aid in determining if your situation would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I have combined single limit or split liability limits?
  • How much liability do I need to cover my assets?
  • Is my dog or cat covered if injured in an accident?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Specific coverage details

Knowing the specifics of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on most car insurance policies.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like rehabilitation expenses, nursing services, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for liability

This coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, loss of income, legal defense fees and medical services. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers 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.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, falling objects, vandalism, a tree branch falling on your vehicle and hitting a deer. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Make a quick buck

Cheaper 2013 GMC Sierra 1500 insurance is definitely available from both online companies and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some auto insurance companies do not offer price quotes online and most of the time these smaller providers only sell through local independent agencies.

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced physical damage coverage only to find out they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

We covered quite a bit of information on how to reduce 2013 GMC Sierra 1500 insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from a small local company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

Other resources