Lower Your 2015 GMC Sierra 3500HD Insurance Cost

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me, you are not the only one feeling buyer’s remorse. Because there are so many options, it is very difficult to pick the most cost effective insurer.

Quick Insurance Quotes

Most major insurance companies allow you to get prices on their websites. Getting quotes is pretty easy as you just enter your personal and coverage information as detailed in the form. Behind the scenes, the company’s rating system will order information on your driving record and credit history and generates pricing information based on many factors. This makes comparing rates easy, but the process of having to visit a lot of sites and type in the same information gets old quite quickly. But it is imperative to perform this step if you are searching for the lowest price.

The quickest way to find better insurance pricing uses one form that gets price quotes from a bunch of companies at once. The form is fast, reduces the work, and makes price shopping online a lot less work. After sending the form, it is quoted and you can select any of the resulting price quotes.

If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process takes 15 minutes at the most and may result in a nice savings.

To find out how much you can save on insurance, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you enter your coverages identical to your current policy. This ensures you will have a price comparison for similar insurance coverage.

Discounts can save BIG

Car insurance can cost a lot, but there are discounts available to help offset the cost. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be requested specifically prior to getting the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Homeowners Discount – Owning a home may trigger a insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Memberships – Being a member of a qualifying organization may earn a discount when buying insurance on SierraHD coverage.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Sign Online – A few companies give back up to $50 simply for signing over the internet.
  • Good Student – This discount can save 20 to 25%. The good student discount can last up until you turn 25.

Consumers should know that most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will cut your premiums.

To see a list of insurers offering insurance discounts, click this link.

Factors influencing GMC Sierra 3500HD insurance rates

Consumers need to have an understanding of the factors that play a part in calculating insurance rates. Knowing what determines base rates helps enable you to make changes that could result in better insurance rates.

Shown below are a partial list of the pieces that factor into premiums.

  • Younger drivers pay higher rates – Youthful drivers are known to be more careless behind the wheel so they pay higher insurance rates. If you’ve ever had to add a young driver onto your insurance can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
  • High credit ratings translate to low rates – A driver’s credit history is a big factor in determining your rates. If your credit history is not that good, you could pay less to insure your 2015 GMC Sierra 3500HD by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • One company can mean more discounts – The majority of insurers provide better rates to policyholders who buy several policies from them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to comparison shop to verify if the discount is saving money. Consumers may find better rates by insuring with multiple companies.
  • Traffic citations inflate rates – Good drivers get better rates than their less careful counterparts. Only having one moving violation can increase rates by as much as thirty percent. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Your occupation can affect rates – Careers like judges, architects and accountants tend to pay higher rates than average because of job stress and lengthy work days. On the flip side, professions such as scientists, athletes and the unemployed have the lowest average rates on SierraHD coverage.
  • Do you need those extra coverages? – There are quite a few extra coverages that you can get tricked into buying on your Sierra 3500HD policy. Insurance for personal injury protection, accidental death and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
  • Having a spouse can save you money – Having a wife or husband can get you a discount on your policy. Having a significant other is viewed as being more responsible and statistics show married couples file fewer claims.

Will just any policy work for me?

When choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • How can I force my company to pay a claim?
  • Is extra glass coverage worth it?
  • Do I need medical payments coverage since I have good health insurance?
  • When should I remove comp and collision on my 2015 GMC Sierra 3500HD?
  • What is roadside assistance coverage?
  • Can I drive in Mexico and have coverage?
  • Is my camper covered by my car insurance policy?
  • What if I total my 2015 GMC Sierra 3500HD and owe more than it’s worth?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Ads can be misleading

Consumers constantly see and hear ads for cheaper car insurance from companies such as State Farm and Allstate. They all seem to make the same claim about savings if you change your policy.

How do they all make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the type of driver that is profitable for them. A good example of a desirable insured might be profiled as over the age of 40, insures multiple vehicles, and has a short commute. Any driver who matches those parameters is entitled to the best price and most likely will save when switching.

Drivers who do not match these standards must pay higher prices and this can result in business not being written. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently advertise the savings.

This illustrates why you should get as many quotes as possible. It is impossible to predict the company that will fit your personal profile best.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills like doctor visits, funeral costs, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your Sierra 3500HD caused by collision 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 pays for claims such as sideswiping another vehicle, driving through your garage door, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims. Liability 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. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, court costs, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, falling objects and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Don’t break the bank

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where someone sacrificed collision coverage only to find out that it was a big mistake. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

We just showed you some good ideas how to save on 2015 GMC Sierra 3500HD insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with the smaller companies. They may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

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