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GMC Sierra 1500HD Classic Insurance Rates

Shopping for auto insurance from online rate quotes is simple to do, plus you may find lower rates. The critical component is to compare as many rate quotes as possible so you can get the lowest prices.

Comparing auto insurance rates direct online can be difficult if you have never used online rate quotes. But don't let that discourage you because we're going to show you how. Cutting your Sierra 1500HD Classic insurance cost doesn't have to be difficult. Drivers just need to take a couple of minutes to compare quotes online with multiple companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by the following

Insurance premiums for a GMC Sierra 1500HD Classic will vary greatly subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Your credit history
  • Male rates may be higher
  • Low deductibles cost more
  • Crash test rating for your Sierra 1500HD Classic
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older GMC models so the payout to repair will push premiums up. But newer vehicles have more advanced features including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability insurance - Sierra 1500HD Classic liability coverage can cover damage or injury you incur to other people or property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision - Collision coverage covers damage to your GMC caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Sierra 1500HD Classic collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage - Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are GMC Sierra 1500HD Classic Insurance Rates?