GMC Sierra 3500HD Insurance Rates

Shopping for car insurance by getting online quotes is easy, plus you may find lower rates. The key is to take the time to get as many rate quotes as possible so you can compare all your choices.

Consumers not familiar with buying insurance may think purchasing cheap Sierra 3500HD insurance is nearly impossible. The are a couple different ways to get quotes from local car insurance companies. The fastest way to find the lowest Sierra 3500HD insurance quotes consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by...

Insurance premiums for a GMC Sierra 3500HD can vary widely based upon several criteria. Including but not limited to:

Your driving record
Credit rating
Where you reside can make a big difference
How many miles you drive
Men typically pay more than women
Higher deductibles save money
Crash test rating for your Sierra 3500HD
Your job
Your coverage level
Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new GMC models so repair costs tend to be lower which will push premiums down. On the flip side, more recent GMC vehicles have more advanced features like traction control, tire pressure monitors, a collision avoidance system, and a telematics system which can provide discounts that lower premiums.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your GMC caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Sierra 3500HD collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper Sierra 3500HD insurance rates.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states but can be used in place of medical payments coverage.

How Much are GMC Sierra 3500HD Insurance Rates?