Lower Your 2010 GMC Sierra 3500HD Insurance Rates

Looking for lower insurance coverage rates for your GMC Sierra 3500HD? Are you a victim of high-priced insurance coverage? Trust us when we tell you there are many people just like you.

Big companies like Allstate, Progressive and GEICO all claim big savings with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

The most recommended method to compare policy rates is to realize most of the larger companies participate in online systems to quote your coverage. All consumers are required to do is provide the companies a bit of rating information like distance driven, the type of vehicles you drive, your job, and if a SR-22 is required. Your information is automatically sent to many different companies and you receive quotes very quickly.

To start a rate quote now, click here and enter your coverage details.

Save money by taking advantage of these discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Most are applied at quote time, but a few need to be specially asked for before they will apply.

  • Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Own a Home – Owning a house can save you money because owning a home shows financial diligence.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save at least 10% off all policies.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for SierraHD insurance with select insurance companies.

It’s important to understand that some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

Car insurance companies that may offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings may not be available everywhere.

When should I use an insurance agent?

When it comes to choosing coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions might point out whether you will benefit from professional help.

  • Am I covered if my car is in a flood?
  • What are the best liability limits?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when using my vehicle for business?
  • If my 2010 GMC Sierra 3500HD is totaled, can I afford another vehicle?
  • Does insurance cover tools stolen from my truck?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your policy

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from flooding, theft and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for ambulance fees, X-ray expenses, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This coverage will pay to fix damage to your Sierra 3500HD from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, damaging your car on a curb, rolling your car, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability

This coverage provides protection from damage that occurs to a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, bail bonds, pain and suffering, loss of income and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

A fool and his money are soon parted

Lower-priced 2010 GMC Sierra 3500HD insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, never skimp on coverage in order to save money. There are many occasions where an accident victim reduced collision coverage only to discover later they didn’t purchase enough coverage. Your focus should be to buy enough coverage at a price you can afford.

Additional information