2013 GMC Sierra 3500HD Insurance Quotes

Searching for better insurance rates for your GMC Sierra 3500HD? Having to pay for overpriced GMC Sierra 3500HD insurance can drain your savings account and put a big crunch on your finances. Comparison shopping is a smart way to lower your monthly bill. You have so many insurers to buy insurance from, and although it’s a good thing to have a selection, so many choices can make it hard to compare rates.

It’s a good idea to get comparison quotes once or twice a year because rates tend to go up over time. If you had the lowest rates on SierraHD insurance last year there is a good chance you can find better rates now. Forget all the misinformation about insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

Vehicle Insurance Comparison

There are multiple methods you can shop for 2013 GMC Sierra 3500HD auto insurance but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use the internet to maximize your effort.

Many companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and every company provides a quote. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to pricing coverage this way is you can’t choose which providers to get pricing from. So if you want to select individual companies to compare, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage information on every quote. If you have different limits and deductibles on each one it will be next to impossible to make an equal comparison.

Discounts can save BIG

Car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Most are applied when you purchase, but a few must be asked about before being credited. If you don’t get every credit you deserve, you are paying more than you should be.

  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on SierraHD insurance than drivers with accident claims.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on SierraHD insurance with select insurance companies.

Consumers should know that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will bring down your premiums.

For a list of companies with the best auto insurance discounts, click here.

Will just any policy work for me?

When choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation could use an agent’s help.

  • How high should my medical payments coverage be?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Who is covered when they drive my 2013 GMC Sierra 3500HD?
  • Which is better, split liability limits or combined limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Will filing a claim cost me more?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Impacting insurance rates for a GMC Sierra 3500HD

It’s important that you understand some of the elements that go into determining the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Listed below are some of the items used by your company to calculate rates.

  • Men fork out a little more – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both are in accidents at a similar rate, but the males cause more damage. They also get more serious tickets like reckless driving and DUI. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Careful drivers pay lower rates – Good drivers receive lower rates than bad drivers. Only having one citation can increase rates twenty percent or more. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Lower miles equals lower premium – The higher the mileage driven in a year the higher your rates will be. Most companies price each vehicle’s coverage based on their usage. Autos left parked in the garage receive lower rates than those used for commuting. Having the wrong rating on your Sierra 3500HD can cost quite a bit. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Credit scores impact auto insurance rates – Credit score is a large factor in determining your rates. If your credit history is lower than you’d like, you could potentially save money when insuring your 2013 GMC Sierra 3500HD by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Don’t let your coverage lapse – Allowing your auto insurance policy to lapse is a quick way to pay more for auto insurance. Not only will rates go up, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Higher deductibles cost less – Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, vandalism, and burglary. The more money you’re willing to pay, the lower your rates will be on SierraHD insurance.
  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Too many auto insurance claims drive up costs – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies give cheaper rates to insureds who do not file claims often. Your insurance policy is intended for the large, substantial claims.

Educate yourself about insurance coverages

Understanding the coverages of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Sierra 3500HD.

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. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Coverage for collisions

This covers damage to your Sierra 3500HD resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, colliding with a tree, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane, damage from getting keyed and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other people or property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, emergency aid and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as pain medications, nursing services, doctor visits, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

When shopping online for insurance, do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at the best price while still protecting your assets.

Cheaper 2013 GMC Sierra 3500HD insurance is attainable on the web as well as from independent agents, and you need to price shop both so you have a total pricing picture. Some insurance providers don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

You just read some good ideas how to shop for insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the lesser-known companies. These companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

More detailed insurance information can be found by following these links: