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GMC Sierra Classic 3500 Insurance Rates

Finding cheaper auto insurance through online providers is simple to do, plus you may find lower rates. The critical component is to take the time to get rates from all providers in order to have every option.

Finding the best direct price on auto insurance can be difficult if you have never used online quotes. But relax because we're going to show you how. Finding a lower price on Sierra Classic 3500 insurance is surprisingly easy. You just have to take a little time to compare quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by...

Insurance premiums paid to insure a GMC Sierra Classic 3500 can vary widely subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Credit rating
  • The size of your community
  • Annual mileage can affect rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your Sierra Classic 3500
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older GMC models so the payout to repair can inflate annual premiums. Although more recent GMC vehicles have more advanced features included like a backup camera, autonomous braking, active head restraints, and all-wheel drive which can lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability auto insurance

Sierra Classic 3500 liability coverage will cover damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage

This will pay to fix damage to your GMC from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper Sierra Classic 3500 insurance rates.

Comprehensive (Other than Collision)

This pays for 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 payout your auto insurance company will pay 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.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are GMC Sierra Classic 3500 Insurance Rates?