Compare 2013 GMC Sierra 3500HD Insurance Quotes

Drivers have a choice when trying to find the lowest priced GMC Sierra 3500HD insurance. You can either waste hours driving around trying to get quotes or use the internet to compare rates.

There are more efficient ways to compare insurance coverage rates and you need to know the absolute fastest way to price shop coverage on a GMC and find the cheapest rates from both online companies and local agents.

How to buy car insurance online

Most of the larger companies provide insurance quotes directly from their websites. Getting online quotes is quite simple as you simply enter your personal and coverage information into the quote form. After you complete the form, the system orders reports for credit and driving violations and gives you a price quote based on many factors.

Online quotes makes it simple to compare prices but the time required to go to a lot of sites and type in the same data is a big time waster. But it’s absolutely necessary to compare as many rates as possible in order to get a lower rate.

An easier way to compare rates utilizes a single form to get prices from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much simpler. As soon as the form is sent, it gets priced with multiple companies and you can pick your choice of the price quotes you receive.

If a lower price is quoted, you can click and sign and buy the policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

To find out how much you can save on car insurance, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you duplicate the coverages identical to your current policy. This guarantees you will have a fair comparison for exact coverage.

Cheaper car insurance quotes with discounts

Companies offering auto insurance do not list every discount very clearly, so the below list has some of the best known as well as the least known discounts that you may qualify for.

  • No Claim Discounts – Drivers who stay claim-free get the best car insurance rates compared to drivers with a long claim history.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
  • Homeowners Pay Less – Owning your own home or condo can help you save on car insurance because of the fact that having a home means you have a higher level of financial diligence.
  • Professional Memberships – Affiliation with certain professional organizations may earn a discount on car insurance.
  • Pay Upfront and Save – If paying your policy premium upfront as opposed to paying monthly you may reduce your total bill.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, that’s just not realistic.

A list of companies and some of the premium reductions they offer are:

  • State Farm has discounts for defensive driving training, Steer Clear safe driver discount, driver’s education, multiple autos, accident-free, good driver, and safe vehicle.
  • GEICO offers discounts for membership and employees, defensive driver, air bags, federal employee, and multi-policy.
  • Liberty Mutual may offer discounts for good student, newly retired, preferred payment discount, new graduate, new vehicle discount, and exclusive group savings.
  • The Hartford policyholders can earn discounts including bundle, good student, defensive driver, anti-theft, vehicle fuel type, driver training, and air bag.
  • MetLife offers premium reductions for good student, defensive driver, accident-free, good driver, multi-policy, and claim-free.
  • Progressive may include discounts for multi-vehicle, good student, continuous coverage, multi-policy, online quote discount, and homeowner.

Before purchasing a policy, check with all the companies how many discounts you can get. Some discounts may not apply to policies in every state. To see providers who offer discounts, follow this link.

Informed consumers know how to find insurance for less

Many factors are part of the calculation when premium rates are determined. Some are pretty understandable like an MVR report, but some are not as apparent such as your credit history or your financial responsibility.Consumers need to have an understanding of some of the elements that help calculate the price you pay for insurance. When you understand what influences your rates, this allows you to make good choices that can earn you lower premium levels.

The itemized list below are some of the most rate-impacting factors utilized by car insurance companies to help set your rate level.

  • Bad credit hurts insurance prices – Having a good credit score can be an important factor in your rate calculation. If your credit is not that good, you could potentially save money when insuring your 2013 GMC Sierra 3500HD by repairing your credit. Insureds that have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Allowing your coverage to lapse raises rates – Having an insurance coverage lapse can be a quick way to increase your renewal premiums. Not only will rates go up, getting caught without coverage may earn you a fine, jail time, or a revoked license. You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Alarm systems save money – Choosing a vehicle with an alarm system can earn a premium discount. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • No claims equals lower insurance rates – Car insurance companies generally give the best rates to policyholders who file claims infrequently. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is meant to be used in the event of the large, substantial claims.

Tailor your auto insurance coverage to you

When choosing coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • When should I remove comp and collision on my 2013 GMC Sierra 3500HD?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered by my spouse’s policy after a separation?
  • Can I rent a car in Mexico?
  • Is my custom paint covered by insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my 2013 GMC Sierra 3500HD qualify for pleasure use?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Don’t believe everything you hear

Drivers can’t avoid all the ads that claim the cheapest rates by GEICO, State Farm and Progressive. All the companies seem to make the promise that drivers will save a bundle after switching your auto insurance policy to them.

How does every company charge you a lower premium? Here is how they do it.

Many companies have specific guidelines for the type of driver that will not have excessive claims. For example, a desirable risk might have to be married and over the age of 30, is a homeowner, and drives less than 7,500 miles a year. Any customer that matches those criteria will most likely get cheap car insurance rates and will most likely pay quite a bit less when switching companies.

Drivers who don’t meet this stringent profile will be charged a more expensive rate which leads to the customer buying from someone else. The ad wording is “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can make the claims of big savings.

Because each company has a different risk profile, you need to get as many free auto insurance quotes as possible. It is impossible to predict which auto insurance company will have the lowest rates.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, fire damage, rock chips in glass, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This coverage covers damage to your Sierra 3500HD resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Auto liability

This will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people, and 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. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your GMC Sierra 3500HD.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for hospital visits, funeral costs, surgery, chiropractic care and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Affordable insurance is out there

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, poor customer service, unfair underwriting practices or not issuing a premium refund. No matter why you want to switch, finding the right insurance coverage provider can be less work than you think.

Throughout this article, we presented some good ideas how to save on 2013 GMC Sierra 3500HD insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the most savings is with some of the lesser-known companies.

When you buy auto insurance online, don’t be tempted to buy less coverage just to save a little money. There are too many instances where someone dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

Much more information about insurance coverage is available at these links: