Save on 2008 GMC Sierra 3500HD Insurance Cost

Looking for better insurance rates for your GMC Sierra 3500HD? Finding better insurance prices for a GMC Sierra 3500HD can be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to find insurance online and we’ll show you the proper way to get price quotes for a new or used GMC and get the lowest price.

It’s a good habit to get comparison quotes periodically due to the fact that insurance prices are variable and change quite frequently. Even if you got the best price on SierraHD coverage at your last renewal other companies may now be cheaper. You can find a lot of wrong information about insurance online but in this article, you’re going to get some of the best ways to slash your insurance rates.

Buy car insurance online

Cutting your car insurance rates doesn’t have to be difficult. You just have to spend a little time to get quotes from some recommended companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The recommended way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method keeps you from doing separate quotes for every car insurance company. A single form will return quotes instantly. It’s the fastest way to compare.
  2. A more difficult way to analyze rates requires a trip to the website for every company you want to comare and get a separate price quote. For example, we’ll pretend you want to compare Allstate, GEICO and GMAC. You would need to go to each individual site to enter the same coverage data repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

The method you choose is up to you, but try to keep the same coverage limits for every company. If you have higher or lower deductibles you will not be able to make a fair rate comparison.

Ads can be misleading

Consumers can’t get away from all the ads for cheaper insurance coverage by companies like Allstate and Progressive. All the companies have a common claim about savings just by moving your insurance coverage coverage to their company.

But how can every company offer you a better deal? This is the trick they use.

Many companies have specific characteristics for the type of insured that is profitable for them. A good example of a desirable risk should be a mature driver, has never had a policy lapse, and has great credit. Any new insured who matches that profile will get very good prices and will save some money.

Potential insureds who may not quite match these criteria may be forced to pay a more expensive rate and ends up with business not being written. The ads say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. That is how insurance companies can make it sound like they have such great premium rates.

This really emphasizes why drivers should compare as many free car insurance quotes as you can. Because without a comparison, you cannot know which insurance companies will be your best fit.

Informed decisions result in lower insurance costs

Multiple criteria are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, although others are more transparent like your continuous coverage and annual miles driven.

The factors shown below are just a few of the factors companies use to determine your rates.

  • Demanding job may mean higher prices – Did you know your career choice can influence rates? Occupations like lawyersair traffic controllers and financial analysts usually pay the highest average rates attributed to intense work situations and lots of time spent away from family. On the flip side, occupations like professors, students and the unemployed generally pay rates lower than average on SierraHD coverage.
  • Cheaper rates for prior coverage – Allowing your insurance policy to lapse is a quick way to increase your renewal premiums. In addition to paying higher premiums, not being able to provide proof of insurance will get you a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Cars with good safety ratings means lower prices – Cars with high safety ratings can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity means less claims paid which can mean better rates for you.
  • Use one insurance company and save – Many insurers provide lower prices to policyholders that buy multiple policies. It’s known as a multi-policy discount. Discounts can amount to ten percent or more. Even with this discount, you may still want to get quotes from other companies to confirm you are receiving the best rates possible.
  • Deter vehicle theft – Purchasing a vehicle with advanced anti-theft systems can save you some money. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Premiums are lower the older you get – Drivers with little experience are proven to be careless and easily distracted when driving with friends and because of this, their insurance rates are much higher. Having to add a inexperienced driver onto your insurance can break the bank. Older, more experienced drivers are more responsible, tend to cause fewer accidents .
  • High comp and collision deductibles equal low rates – Deductibles for physical damage define the amount you are required to spend out-of-pocket if the claim is covered. Physical damage protection, aka comp and collision, covers damage that occurs to your car. A few examples of covered claims could be a windshield broken by a bird, hail damage, and having a roll-over accident. The more damage repair cost you have to pay, the bigger discount you will receive on SierraHD coverage.

Don’t miss these premium-slashing discounts

Some insurance providers don’t necessarily list every available discount in an easy-to-find place, so the list below details some of the more common and the more hidden credits that you can use to lower your rates.

  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
  • Online Discount – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on the web.
  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy life insurance.
  • Telematics Devices – Insureds who allow data collection to analyze when and where they use their vehicle remotely like Allstate’s Drivewise could see a rate decrease if they show good driving skills.
  • Full Payment Discount – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • Defensive Driver Discounts – Successfully completing a course in safe driver could cut 5% off your bill and easily pay for the cost of the class.
  • Save with More Vehicles Insured – Having multiple cars on the same car insurance policy can get a discount on all vehicles.
  • Early Signing – A few insurance companies offer discounts for switching to them early. You may see this discount when you get car insurance quotes online.
  • Own a Home – Owning a house can get you a discount because of the fact that having a home shows financial diligence.
  • Discount for New Cars – Buying coverage on a new vehicle may earn a small discount because newer vehicles are generally safer.

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 physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, that’s just not realistic. But any discount will reduce your overall premium however.

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

Before buying, ask each insurance company how you can save money. A few discounts may not apply to policies in your state. If you would like to view companies with discount rates, click here to view.

Do I need special coverages?

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if you will benefit from professional help.

  • When should I remove comp and collision on my 2008 GMC Sierra 3500HD?
  • Am I covered if I hit my neighbor’s mailbox?
  • How can I get my company to pay me more for my totalled car?
  • How high should my medical payments coverage be?
  • Does car insurance cover theft of personal property?
  • Why is insurance for a teen driver so high?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of a car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision protection

This will pay to fix damage to your Sierra 3500HD from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, damaging your car on a curb, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability car insurance

This can cover damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, funeral expenses, legal defense fees and medical services. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as EMT expenses, ambulance fees and doctor visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your GMC Sierra 3500HD.

Because many people 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 is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Quote more. Save more.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut collision coverage to discover at claim time that it was a big error on their part. Your aim should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, policy cancellation, an unsatisfactory settlement offer or denial of a claim. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.

The cheapest 2008 GMC Sierra 3500HD insurance can be bought online as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide online rate quotes and most of the time these regional insurance providers only sell coverage through local independent agents.

Helpful articles