View 2014 GMC Sierra 3500HD Car Insurance Cost

Want better car insurance rates for your GMC Sierra 3500HD? Trying to find better insurance prices for a GMC Sierra 3500HD can normally be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to buy car insurance and you need to know the best way to get price quotes on a GMC and get the best price possible from both online companies and local agents.

Ways to get insurance coverage quotes

Reducing your 2014 GMC Sierra 3500HD insurance rates is not a difficult process. You just need to take the time getting comparison quotes online from several insurance companies. Shoppers can get rates in several different ways.

The first (and easiest) way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This quick form saves time by eliminating repetitive form entry for each price estimate. Completing one form will get you rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
A slightly less efficient method to find lower rates is to manually visit the website for each individual company and fill out a new quote form. For example, we’ll pretend you are doing a rate comparison from Farmers, Esurance and American Family. To get each rate you have to go to each individual site and enter your information, which explains why we recommend starting with the first method. For a list of companies in your area, click here.
The least recommended method to find lower rates is physically going to and from local insurance agencies. Comparing online rate quotes can eliminate the need for a local agent unless you want the peace of mind only provided by licensed agents. Drivers can compare online quotes but buy from a local insurance agent.

Which method you use is up to you, but be sure you’re using the same information on every quote. If you use differing limits it will be nearly impossible to get a fair rate comparison.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

Can I rent a car in Mexico?
Am I covered when pulling a rental trailer?
Is my nanny covered when driving my vehicle?
Am I missing any policy discounts?
Where can I find DUI or SR-22 insurance?
How many claims can I have before being cancelled?
Do all my vehicles need collision coverage?
Am I covered if I hit a deer?
Is business property covered if stolen from my car?
If my 2014 GMC Sierra 3500HD is totaled, can I afford another vehicle?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Learn about insurance coverages for a 2014 GMC Sierra 3500HD

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

Collision coverage

Collision insurance covers damage to your Sierra 3500HD from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle, driving through your garage door, scraping a guard rail 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 to save money on collision insurance.

Liability coverages

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as loss of income, attorney fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, EMT expenses, ambulance fees and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from getting keyed, vandalism, hitting a deer and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.