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GMC Sierra 1500 Insurance Rates

Buying car insurance by comparing rates online is easy, plus you will probably save money. The key is to compare rates from as many companies as possible so you can compare the best prices.

People who are new to buying insurance may think buying cut-rate Sierra 1500 insurance is going to be difficult. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. One of the best ways to find the lowest Sierra 1500 insurance cost is to get quotes online. This can be done by visiting this page.

Rates are impacted by the following

Insurance rates for your GMC Sierra 1500 will vary greatly based upon several criteria. Including but not limited to:

  • Your driving record
  • Your credit history
  • Male rates may be higher
  • Higher deductibles save money
  • Crash test rating for your Sierra 1500
  • Your profession
  • The level of coverage
  • Home ownership saves money

One last important factor that helps determine the rate you pay on your GMC is the year of manufacture. Older models have a lower value so the payout to repair will push premiums down. Conversely, newer vehicles may have options such as forward-collision avoidance, adaptive cruise control, and active head restraints so those may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability insurance - Liability insurance can cover damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverages - Collision insurance covers damage to your GMC resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.

How Much are GMC Sierra 1500 Insurance Rates?