How Much Does 2013 GMC Sierra 1500 Insurance Cost?

Searching for cheaper insurance for a GMC Sierra 1500 can normally be difficult, but you can use the following methods to save time. There is a better way to buy insurance coverage so we’re going to tell you the quickest way to quote coverages on a GMC and get the best price possible from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maintaining coverages. Finding more affordable auto insurance coverage is easy if you know what you’re doing. Drivers only need to know how to find the lowest price online.

How to find cheap insurance

Finding more affordable 2013 GMC Sierra 1500 insurance rates can be surprisingly simple. Consumers just need to take a few minutes getting comparison quotes from some recommended companies. This can easily be done in several different ways.

Probably the best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This form keeps you from doing repetitive form submissions for each price estimate. A single form gets prices estimates from many national carriers. Recommended for those who want to invest the least amount of time.

A more difficult way to compare rate quotes is spending the time to visit the website of each company and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from Farmers, Esurance and Geico. To do that, you would have to spend time on each company’s site and repeatedly type in your coverage information, which is why first method is reommended.

For a list of companies in your area, click here.

The approach you take is up to you, just try to keep nearly identical deductibles and coverage limits for each comparison quote. If your comparisons have different limits and deductibles on each one you will not be able to get a fair rate comparison.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Earn discounts on insurance coverage

Buying insurance coverage is not cheap, but there’s a good chance there are discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but a few must be specially asked for before they will apply.

• Home Ownership Discount – Being a homeowner can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
• Discount for Multiple Policies – If you can bundle your home and auto insurance and insure them with the same company you could save approximately 10% to 15%.
• Save over 55 – Older drivers may qualify for better insurance coverage rates for Sierra coverage.
• Driving Data Discount – Drivers that enable their insurance coverage company to analyze driving patterns remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if their driving habits are good.
• Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Good Student Discount – Being a good student may save as much as 25% on a auto insurance quote. Most companies allow this discount until age 25.
• Defensive Driver Discount – Completing a course teaching defensive driver skills is a good idea and can lower rates depending on where you live.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you lower rates if you buy a life policy as well.
• Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies who might offer these money-saving discounts possibly include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Double check with each company or agent the best way to save money. Some discounts listed above may not be available in your area. To see a list of providers who offer free insurance coverage quotes, click this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions might point out whether or not you might need professional guidance.

• Should I rate my 2013 GMC Sierra 1500 as pleasure use or commute?
• Am I covered if my car is in a flood?
• Should I drop comprehensive coverage on older vehicles?
• Who is covered when they drive my 2013 GMC Sierra 1500?
• What is UM/UIM insurance?
• When would I need additional glass coverage?
• Can I get a multi-policy discount?
• Why do I only qualify for high-risk insurance?
• Do I pay less for low miles?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Seven factors that affect insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance coverage rates. When consumers understand what influences your rates, this empowers consumers to make smart changes that may result in lower insurance coverage prices.

• Your location is a factor – Living in a rural area can save you money when buying insurance coverage. City drivers regularly have more auto accidents and more severe claims. Lower population means reduced accidents in addition to lower liability claims
• Lower rates with GPS tracking and theft deterrents – Choosing to buy a car with advanced anti-theft systems can help bring down rates. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
• How many coverages with the same company – Lots of companies allow better rates to insureds that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, you still need to get quotes from other companies to ensure the best deal.
• Minor frequent policy claims are not good – If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Companies give cheaper rates to policyholders who file claims infrequently. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Tickets mean higher prices – Your driving citation history impacts premiums far more than you think. Drivers who don’t get tickets receive lower rates as compared to those with violations. Having a single moving violation can increase rates by twenty percent. People who have license-revoking violations such as reckless driving or DUI may need to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
• Single drivers take more risk – Your spouse may cut your premiums on your insurance coverage policy. Having a spouse means you’re more mature and statistics show married drivers tend to file fewer claims.
• Lower rates come with age – Inexperience drivers are statistically shown to be easily distracted when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher. Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents , and are generally more financially stable.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Coverages available on your policy

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, structural damage and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your GMC Sierra 1500.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, vandalism, damage from a tornado or hurricane, rock chips in glass and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, hospital visits, surgery, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree, backing into a parked car, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

What is YOUR best insurance company?

As you shop your coverage around, make sure you don’t reduce needed coverages to save money. Too many times, consumers will sacrifice collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

In this article, we presented many ways to get a better price on 2013 GMC Sierra 1500 insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheap auto insurance. Consumers could even find that the most savings is with the least-expected company.

People switch companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, high prices and lack of trust in their agent. It doesn’t matter what your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

More information is located at the links below

• Prom Night Tips for Teen Drivers (State Farm)
• Who Has Cheap Honolulu Auto Insurance Quotes for a GMC Sierra? (QuoteHonolulu.com)
• Speed and Speed Limit FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Eight Auto Insurance Myths (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption