Save on 2014 GMC Sierra 3500HD Insurance Cost

Finding cheaper insurance for a new or used GMC Sierra 3500HD can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy car insurance and we’ll show you the quickest way to quote coverages for a new or used GMC and locate the lowest possible price.

Smart consumers take time to compare premium rates yearly because prices are constantly changing. Even if you think you had the best price for SierraHD coverage at your last renewal other companies may now be cheaper. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the quickest way to get good coverage at a lower rate.

The best way to compare policy rates takes advantage of the fact all the major auto insurance companies allow for online access to give you rate quotes. The only thing you need to do is provide a little information such as your general credit rating, how old drivers are, if your license is active, and daily mileage. Those rating factors gets transmitted to multiple car insurance providers and you will receive price estimates very quickly.

To compare rates for your 2014 GMC Sierra 3500HD now, click here and enter your zip code.

Save money with these discounts

Insuring your fleet can be pricey, but you can get discounts that may help make it more affordable. Most are applied at the time of quoting, but lesser-known reductions have to be asked for before being credited. If you check and find you aren’t receiving every discount available, you are throwing money away.

  • Defensive Driver Discounts – Taking time to complete a driver safety class could possibly earn you a 5% discount depending on where you live.
  • Sign Online – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Low Mileage Discounts – Driving less may allow you to get cheaper prices.
  • Telematics Discount – Drivers that enable driving data collection to scrutinize driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts if they are good drivers.
  • Payment Method – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.

As a sidenote, some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To locate insurance companies that offer the discounts shown above, follow this link.

Insurance can be complex

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • Am I better off with higher deductibles on my 2014 GMC Sierra 3500HD?
  • Does coverage extend to Mexico or Canada?
  • Is my camper covered by my car insurance policy?
  • Will my rates increase for filing one claim?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I carry comprehensive and collision coverage?
  • What is the minimum liability in my state?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred 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. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision insurance will pay to fix damage to your Sierra 3500HD caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, crashing into a building and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like funeral costs, prosthetic devices, dental work, hospital visits and surgery. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This coverage will cover damages or injuries you inflict on other’s property or people. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as funeral expenses, bail bonds, structural damage and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.