Save on 2013 GMC Sierra 2500HD Car Insurance Cost

Trying to find better car insurance rates for your GMC Sierra 2500HD? Being forced to pay for expensive car insurance premiums can deplete your family’s budget and possibly require you to analyze your spending habits. Performing a price comparison is an excellent way to tighten up your finances.

There are many insurers to buy insurance from, and even though it’s nice to have a choice, it can be more challenging to adequately compare rates.

It’s a great practice to compare premium rates quite often because car insurance rates go up and down regularly. If you had the best deal on SierraHD coverage at your last renewal there may be better deals available now. Don’t believe everything you read about car insurance on the internet, but in a few minutes you can learn some great ideas on how to save money.

Compare car insurance quotes

When comparison shopping, there are several ways to obtain and compare prices from many car insurance companies in your state. The recommended way to compare rates is to get quotes online. This is very easy and can be done in several different ways.

Hands down the most simple method to find low rates is an all-inclusive rate comparison click here to open form in new window. This style of form saves time by eliminating repetitive form entry for each company you want a rate for. One quote request will get you rate comparisons from multiple companies.

Another way to find more affordable insurance consists of going to each company’s website and fill out their own quote form. For example, let’s assume you want rates from USAA, Liberty Mutual and American Family. To find out each rate you need to go to every website and type in your information over and over, which is why most consumers use the first method.

To view a list of companies in your area, click here.

Take whichever approach you prefer, but be sure to compare apples-to-apples quote data for each price quote. If you are comparing different coverage information you will not be able to truly determine the lowest rate. Even a minor difference in coverages may result in large price differences. Just keep in mind that getting more free quotes will improve the odds of getting lower pricing. Not every company allows you to get rate quotes online, so you need to compare rates from them as well.

Don’t overlook these car insurance discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that can dramatically reduce your bill. Certain reductions will be credited when you get a quote, but some discounts are required to be manually applied before they will apply.

• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
• Early Switch Discount – Some larger companies provide a discount for buying a new policy prior to your current policy expiring. The savings is around 10%.
• Senior Discount – Mature drivers can possibly qualify for lower premium rates on SierraHD coverage.
• Discount for Good Grades – Getting good grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
• Own a Home – Owning your own home or condo can get you a discount because maintaining a house means you have a higher level of financial diligence.
• Anti-lock Brake System – Cars and trucks equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
• Pay Early and Save – By making one initial payment instead of paying each month you can avoid monthly service charges.
• Driving Data Discount – Drivers that enable their insurance company to look at their driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts if their driving habits are good.
• Discount for Low Mileage – Maintaining low annual mileage could be rewarded with slightly better rates than normal.

As is typical with insurance, some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. So even though you would think you could get a free car insurance policy, company stockholders wouldn’t be very happy.

To see a list of companies who offer free car insurance quotes, click this link.

When to get professional advice

When it comes to choosing coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out if you will benefit from professional help.

• Should I have a commercial auto policy?
• Is my ex-spouse still covered by my policy?
• How high should my medical payments coverage be?
• Are there companies who specialize in insuring high-risk drivers?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered when driving on a suspended license?
• Do I really need UM/UIM coverage?
• Do I have coverage when making deliveries for my home business?
• Is my camper covered by my car insurance policy?
• What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

The coverage is in the details

Having a good grasp of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Medical expense coverage – Med pay and PIP coverage kick in for bills for doctor visits, prosthetic devices, hospital visits and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision coverage pays for damage to your Sierra 2500HD caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, vandalism, a broken windshield, hail damage and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as attorney fees, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.