How Much Does 2014 GMC Sierra 1500 Insurance Cost?

Using the web to shop for car insurance can be a challenge if you have never used online quotes. But relax because comparing prices is actually very simple.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. The purpose of this post is to let you in on the most effective way to quote insurance and some tricks to saving. Although consumers must know how companies sell insurance online and apply this information to your search.

Save on 2014 GMC Sierra 1500 insurance

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Some trigger automatically when you purchase, but less common discounts must be specifically requested before you will receive the discount.

  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Homeowners Pay Less – Owning a house can help you save on insurance because owning a home demonstrates responsibility.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Sierra insurance than drivers with accident claims.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you’re out of luck. Any amount of discount will cut your premiums.

A partial list of companies that may offer these discounts may include but are not limited to:

Check with every prospective company which discounts they offer. Some discounts might not be offered in your area.

The best way we recommend to get rate comparisons is to take advantage of the fact most larger insurance companies participate in online systems to compare their rates. All consumers are required to do is give them rating details such as if you have an active license, whether you are married, if it has an anti-theft system, and an estimate of your credit level. Your information gets sent immediately to multiple top-rated companies and you should receive rate quotes immediately.

Why you might be paying too much to insure your GMC Sierra 1500

Consumers need to have an understanding of the rating factors that go into determining the price you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are some of the factors companies use to determine prices.

  • Younger drivers pay higher rates – Young drivers are known to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Never go without insurance – Driving without insurance can get your license suspended and you will pay a penalty because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance can result in a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Poor driving leads to higher costs – Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Even a single ticket may increase your cost forty percent or more. Drivers who have severe citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Car features impact rates – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • High numbers of claims are not good – Companies generally give cheaper rates to drivers who file claims infrequently. If you are a frequent claim filer, you can look forward to higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Women pay lower rates – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both sexes are in accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

  • Is a fancy paint job covered?
  • What exactly is covered by my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need roadside assistance coverage?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage when making deliveries for my home business?
  • If my 2014 GMC Sierra 1500 is totaled, can I afford another vehicle?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverages

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer, theft, damage from flooding and falling objects. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as X-ray expenses, doctor visits and funeral costs. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Auto liability

Liability insurance protects you from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, emergency aid, bail bonds, attorney fees and medical services. How much coverage you buy is up to you, but buy as large an amount as possible.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Be a smart shopper

Drivers who switch companies do it for many reasons like lack of trust in their agent, policy cancellation, high rates after DUI convictions and not issuing a premium refund. It doesn’t matter what your reason, finding a great new company can be less work than you think.

As you shop your coverage around, do not buy less coverage just to save a little money. There have been many situations where drivers have reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at a price you can afford.

Cost effective 2014 GMC Sierra 1500 insurance is available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not offer online quoting and these regional insurance providers work with independent agents.

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