Lower Your 2014 GMC Sierra 2500HD Car Insurance Quotes

No car owner likes buying car insurance, especially when they are aware that they could lower their rates if they shopped around.

Drivers have many insurance companies to choose from, and although it’s a good thing to have a selection, it can be more challenging to compare rates.

Choosing the best insurance company for you is not that difficult. In a nutshell, anyone who has to buy auto insurance will most likely be able to cut their insurance bill. Although consumers can benefit by having an understanding of the way insurance companies sell insurance online and apply this information to your search.

Auto insurance quotes comparison

Performing a rate comparison can take hours if you aren’t aware of the best way to get rate quotes. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use the internet to get the quickest rates.

Most of the best insurance companies belong to a marketplace where prospective buyers send in one quote, and at least one company provides a quote determined by their information. This saves time by eliminating quote forms for each company you want a rate for. To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to comparing rates this way is you don’t know exactly which providers to get quotes from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make darn sure you compare nearly identical quote data on every quote you get. If your comparisons have different limits and deductibles on each one you will not be able to determine which company has the best rates. Slightly different insurance coverages can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes will enable you to find a lower rate than you’re paying now.

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Affordable insurance coverage rates with discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time of quoting, but some need to be manually applied before you get the savings. If you do not check that you are getting every discount possible, you could be getting lower rates.

• Professional Memberships – Being a member of qualifying employment or professional organizations could earn you a nice discount on insurance coverage.
• Own a Home – Owning a home can earn you a little savings since home ownership shows financial diligence.
• Military Discounts – Being deployed with a military unit could qualify you for better prices.
• Multi-policy Discount – If you can combine your home and auto policy and insure them with the same company they may give you a discount of nearly 15% which can help you find affordable auto insurance.
• Accident Forgiveness – Not a discount per se, but certain companies may permit one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Some of the insurance companies that may have some of the above discounts include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

Double check with all the companies the best way to save money. Some of the earlier mentioned discounts might not be offered in your area. To locate providers that offer discounts, follow this link.

Tailor your insurance coverage to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help you determine if you will benefit from professional help.

• Am I covered if I wreck a rental car?
• Is my nanny covered when driving my vehicle?
• Does my insurance cover a custom paint job?
• Should I sign the liability waiver when renting a car?
• Am I covered when driving in Canada or Mexico?
• Where can I find DUI or SR-22 insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Get cheaper insurance rates by understanding these factors

Part of the auto insurance buying process is learning some of the elements that come into play when calculating the rates you pay for auto insurance. If you have a feel for what controls the rates you pay, this enables you to make decisions that could help you find lower rates. Lots of things are part of the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, although others are less apparent like your vehicle usage or how safe your car is.

• Premiums impacted by vehicle usage – The higher the miles on your GMC annually the higher your rate. A lot of insurance companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than cars that get driven a lot. Ask your agent if your auto insurance declarations sheet correctly shows the proper vehicle usage. Improper usage on your Sierra 2500HD is just wasting money.
• Your age impacts your prices – Older drivers are more responsible, cost insurance companies less in claims and are safer drivers.Drivers with little experience are proven to get distracted easily in a vehicle therefore auto insurance rates are much higher.
• Liability insurance risk factors in – Liability coverage will afford coverage when you are determined to be liable for damages from an accident. This coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Safer the car lower the rate – Cars with five star safety ratings tend to have lower insurance rates. Highly rated vehicles reduce the chance of injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If the GMC Sierra 2500HD has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Allowing your policy to lapse raises premiums – Allowing your coverage to lapse will be a sure-fire way to increase your renewal premiums. And not only will insurance be more expensive, the inability to provide proof of insurance may result in a hefty fine and possibly a revoked license.
• Big city or small town – Having an address in less populated areas of the country can be a good thing when insuring your vehicles. Fewer drivers and short commutes translates into fewer accident claims and a lower car theft rate. Residents of big cities have to deal with more traffic problems and longer commute times. Longer commute distances means higher likelihood of an accident.
• Improve your credit rating and save – Having a bad credit rating is a large factor in determining premium rates. If your credit history can use some improvement, you could potentially save money when insuring your 2014 GMC Sierra 2500HD by taking the time to improve your credit score. People with excellent credit tend to be better risks to insure than those with poor credit.
• Gender impacts premiums – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes are in auto accidents at about the same rate, but males tend to have higher claims. They also receive more major tickets like DWI (DUI) or reckless driving.

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Car insurance 101

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for hospital visits, surgery and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, damage from getting keyed, vandalism, a tree branch falling on your vehicle and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – Collision coverage pays for damage to your Sierra 2500HD from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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. This is the reason having UM/UIM coverage is very important.

Liability coverages – This coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, repair costs for stationary objects, repair bills for other people’s vehicles, loss of income and attorney fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Saving money makes a lot of cents

You just learned a lot of information how to reduce 2014 GMC Sierra 2500HD insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the best prices are with some of the smallest insurance companies. They can often provide lower rates in certain areas than the large multi-state companies such as Geico and State Farm.

When searching for affordable auto insurance quotes, it’s very important that you do not buy poor coverage just to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. The goal is to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

Budget-conscious 2014 GMC Sierra 2500HD insurance is attainable both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies don’t offer online rate quotes and usually these small, regional companies work with independent agencies.

To read more, feel free to visit the articles below:

• Frontal Crash Tests (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Booster Seat Ratings (iihs.org)
• Child Safety FAQ (iihs.org)

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