Lower Your 2008 GMC Sierra 3500HD Car Insurance Rates

Drivers have a choice when trying to find the lowest priced GMC Sierra 3500HD insurance. They can either waste time contacting agents to get rate comparisons or use the internet to get rate quotes.

There is a right way and a wrong way to find auto insurance online and you need to know the quickest way to quote coverages for a GMC and find the best price possible.

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. The purpose of this post is to introduce you to the most effective way to quote insurance. Drivers just need to understand how to compare prices online.

How much is car insurance?

There are a variety of methods to shop for car insurance, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use online quoting to get pricing more quickly.

Most major companies belong to a marketplace that enables customers to submit their information once, and every company can provide price quotes. This system prevents you from having to do quotation requests for every car insurance company. To enter your information into the quoting system, click here to open in new window.

One minor caviat to getting quotes like this is you cannot specify which providers you will receive quotes from. If you prefer to choose specific providers to compare rates, we have a page of companies who write car insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but do your best to use the same coverages and limits for every quote you compare. If you compare different data it will be impossible to make a fair rate comparison.

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Discounts for lower-cost auto insurance rates

Some insurers do not advertise all disounts very well, so the list below gives a summary of a few of the more common and also the more inconspicuous ways to save on auto insurance.

• Employee of Federal Government – Active or former government employment can save as much as 8% for SierraHD coverage with some auto insurance companies.
• Discount for Passive Restraints – Options like air bags or automatic seat belts may get savings of up to 25% or more.
• New Car Discount – Putting coverage on a new car can get you a discount since new vehicles are generally safer.
• Multi-Vehicle Discounts – Having multiple cars on a single policy can get a discount for every vehicle.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you lower prices if you buy some life insurance too.
• Discount for Low Mileage – Keeping the miles down on your GMC could earn lower rates due to less chance of an accident.

Discounts save money, but please remember that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck.

A list of companies and a summarized list of policyholder discounts include:

• Progressive has discounts for online quote discount, homeowner, good student, multi-policy, multi-vehicle, and continuous coverage.
• The Hartford offers discounts including anti-theft, driver training, good student, vehicle fuel type, air bag, defensive driver, and bundle.
• Mercury Insurance offers discounts for accident-free, age of vehicle, anti-theft, good student, and location of vehicle.
• Geico has savings for daytime running lights, air bags, federal employee, seat belt use, multi-policy, and military active duty.
• AAA includes discounts for multi-policy, anti-theft, good driver, good student, pay-in-full, multi-car, and AAA membership discount.
• State Farm may offer discounts for multiple policy, Drive Safe & Save, safe vehicle, good student, accident-free, Steer Clear safe driver discount, and multiple autos.

If you want affordable insurance coverage quotes, ask all the companies which discounts they offer. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to choose from a list of auto insurance companies who offer online auto insurance quotes, follow this link.

What determines GMC Sierra 3500HD insurance costs?

When buying car insurance it’s important to understand the factors that help determine the level of your policy premiums. If you understand what influences your rates, this enables you to make decisions that can earn you cheaper rates. Lots of factors are part of the equation when pricing auto insurance. Most are fairly basic such as your driving record, but others are more obscure such as whether you are married or your vehicle rating.

• Insure car and home with the same company – Most larger insurers will award a discount to clients that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal.
• Higher rates for policy lapses – Having an insurance coverage lapse is a quick way to increase your renewal premiums. Not only will you pay more, the inability to provide proof of insurance can result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
• Gender matters – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Females and males get in fender benders at about the same rate, but the male of the species cause more damage. Not only are claims higher, but men have more aggressive citations like driving under the influence (DUI).
• High policy claims frequency drives up car insurance rates – Insurance companies provide discounts to people who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is designed for claims that you cannot pay yourself.
• Premiums may be lower depending on your job – Did you know your job can affect your rates? Occupations such as fire fighters, executives and dentists are shown to have higher rates than average due to high stress and lots of time spent at work. Conversely, professions such as farmers, engineers and performers receive lower rates for SierraHD coverage.
• Low comp and collision deductibles mean high costs – The deductibles you choose are the amount of money the insured will be required to pay in the event of a claim. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Some instances where coverage would apply are rearending another vehicle, collision with a deer, or theft of your vehicle. The more expense you are required to pay out-of-pocket, the lower your rates will be for SierraHD coverage.
• Theft deterrents save – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help stop your car from being stolen.
• Reduce prices by driving vehicles with better crash test results – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety have better occupant injury protection and fewer serious injuries means less money paid by your insurance company which can mean better rates for you. If the GMC Sierra 3500HD scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

• Is my nanny covered when driving my vehicle?
• Should I sign the liability waiver when renting a car?
• Why am I required to buy liability insurance?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does my insurance cover my expensive audio equipment?
• When can my company non-renew my policy?
• Do I benefit by insuring my home with the same company?
• Is my 2008 GMC Sierra 3500HD covered for smoke damage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

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Do insurance coverage companies bend the truth?

Consumers can’t avoid all the ads for the lowest price insurance coverage from companies such as State Farm, Geico and Progressive. All the ads make the point that people will save after switching to their company.

Is it even possible that every company can give you a better price? It’s all in the words they use.

All the different companies have specific guidelines for the type of driver that earns them the most money. One example of a preferred risk should be between the ages of 30 and 45, has other policies, and does not commute to work. A customer getting a price quote who fits that profile will get a cheap rate quote and as a result will probably save if they switch.

Consumers who don’t qualify for the “perfect” profile will see higher premium rates and business going elsewhere. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can confidently make claims that they all have the best rates.

Because of this risk profiling, you really need to compare free insurance coverage quotes often. Because you never know which company will have the lowest rates.

Car insurance 101

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your GMC Sierra 3500HD.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, a broken windshield, theft and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as surgery, nursing services, prosthetic devices, doctor visits and dental work. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance covers damage to your Sierra 3500HD caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Liability coverages

Liability insurance can cover damage that occurs to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as repair costs for stationary objects, attorney fees, court costs and medical services. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

In Summary

Budget-friendly auto insurance can be purchased online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide rates over the internet and these smaller companies work with independent agencies.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured cut collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage at the best possible price.

We covered a lot of tips how to shop for 2008 GMC Sierra 3500HD insurance online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates come from an unexpected company.

Additional articles

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Who Has Cheap Car Insurance Quotes for a GMC Sierra in Oakland? (OaklandInsure.com)
• Shopping for a Safe Car (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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