Lower Your 2014 GMC Sierra 3500HD Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your GMC Sierra 3500HD? Cutting costs on insurance coverage is always a challenge for consumers not familiar with comparison shopping online. You have so many choices that it can be more work than you anticipated to locate the lowest price.

Choosing the best insurance company for you is quite easy. Basically, anyone who has to buy car insurance will be able to lower their premiums. Nevertheless, drivers do need to learn the way companies market insurance on the web and take advantage of how the system works.

Companies offer discounts so take them!

Companies do not advertise every discount in a way that’s easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break on insurance coverage on SierraHD coverage.
  • Save over 55 – Mature drivers may receive a small decrease in premiums on SierraHD coverage.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.

Consumers should know that most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurers who offer insurance coverage discounts, click here.

Do I just need basic coverages?

When buying the right insurance coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions could help you determine if you will benefit from professional help.

  • What is UM/UIM insurance?
  • Am I covered when driving in Canada or Mexico?
  • Why does it cost so much to insure a teen driver?
  • Can I afford to pay high deductible claims out of pocket?
  • If my pet gets injured in an accident are they covered?
  • Should I have a commercial auto policy?
  • How do I file an SR-22 for a DUI in my state?
  • Is a fancy paint job covered?
  • How many claims can I have before being cancelled?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Do car insurance companies bend the truth?

Companies like State Farm, Geico and Progressive regularly use ads on television and other media. All the ads say the same thing that you’ll save big if you move your coverage to them. How do they all make the same claim? This is how they do it.

All companies have a preferred profile for the right customer they prefer to insure. A good example of a preferred risk could possibly be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any driver who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who don’t meet this ideal profile will be charged higher rates which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings. That is why drivers should get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on GMC Sierra 3500HD insurance.

Insurance coverage options for a GMC Sierra 3500HD

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

This pays for damage to your Sierra 3500HD resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your GMC Sierra 3500HD.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, vandalism and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as loss of income, legal defense fees, medical expenses and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like hospital visits, pain medications, dental work and surgery. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Spend less. Save more.

Low-cost 2014 GMC Sierra 3500HD insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

We covered a lot of ways to compare insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a small local company.

Drivers change insurance companies for a number of reasons such as high prices, an unsatisfactory settlement offer, not issuing a premium refund and even questionable increases in premium. Regardless of your reason, switching auto insurance companies can be less work than you think.

Additional auto insurance information is available on the following sites: