2013 GMC Sierra 1500 Car Insurance Cost

Trying to find cheaper auto insurance rates for your GMC Sierra 1500? No one in their right mind likes having to buy auto insurance, in particular when their premiums are too high. There are many insurers to buy insurance from, and even though it’s nice to have multiple companies, lots of choices makes it harder to locate the cheapest rates.

You need to price shop coverage on a regular basis because prices are rarely the same from one policy term to another. Just because you found the lowest price on Sierra insurance two years ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance online, so we’re going to give you some tested techniques to save money.

Auto Insurance Comparisons

Getting better 2013 GMC Sierra 1500 auto insurance pricing can be relatively painless. Just take a couple of minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

One of the simplest ways consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating repetitive form entry for each company. A single form will get you rate comparisons from all major companies.

Another way to get comparison quotes consists of going to the website for every company you want to comare and request a quote. For instance, let’s assume you want comparison quotes from Nationwide, 21st Century and Progressive. To get each rate you have to visit each site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make absolute certain that you use exactly the same coverages on every quote you get. If each company quotes differing limits it will be very difficult to make a fair comparison for your GMC Sierra 1500.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions can help discover whether you will benefit from professional help.

  • What is the minimum liability in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I bundle my homeowners policy with my auto?
  • Will my rates increase for filing one claim?
  • Should I rate my 2013 GMC Sierra 1500 as pleasure use or commute?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Liability coverages

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles, funeral expenses and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Sierra 1500 from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, rock chips in glass, theft and hitting a deer. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your GMC Sierra 1500.

Since 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 is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses such as funeral costs, rehabilitation expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay