Vehicles > GMC > Sierra 1500HD

GMC Sierra 1500HD Insurance Cost

Finding cheaper auto insurance through online rate quotes can be fast and easy and at the same time you may find lower rates. The most important part is to compare rates from all providers in order to accurately compare the lowest rate quotes.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online companies selling insurance. Lowering your Sierra 1500HD insurance rates can be surprisingly simple. You just need to take a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence the rate you pay?

Insurance premiums paid to insure a GMC Sierra 1500HD will vary greatly depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Your credit history
  • Male rates may be higher
  • The deductible you choose
  • Your vehicle's safety rating
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older GMC models so the cost to replace them will push premiums up. Although newer vehicles have more advanced features included like adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance so those may help offset higher rates.

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

Auto liability

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision insurance

This covers damage to your GMC from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper Sierra 1500HD insurance cost.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.

How Much are GMC Sierra 1500HD Insurance Rates?