2018 GMC Sierra 1500 Insurance Rates – 8 Ideas for Cheapest Quotes

Paying cheaper prices for Driverscar insurance might be nearly impossible for beginners to quoting and comparing rates online. Consumers have so many options available that it can easily be a difficult mission to find more affordable rates.

Drivers save money with these eight discounts

Buying auto insurance is not cheap, but discounts can save money and there are some available that many consumers don’t even know exist. Some discounts will apply at quote time, but less common discounts must be specifically requested before being credited. If you do not double check each discount available, you may be paying too high a price.

  • Telematics Data – Drivers that enable their insurance company to analyze driving patterns through the use of a telematics system such as State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
  • Drivers Education – Teen drivers should sucessfully take a drivers education course if offered at their school.
  • Discount for Home Ownership – Being a homeowner can earn you a little savings since home ownership requires personal responsibility.
  • Online Discount – Certain larger companies may give you up to $50 for buying your policy over the internet.
  • Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
  • Renewal Discounts – Some larger companies give discounts for renewing your policy before your current expiration date. It can save you around 10%.
  • No Claims – Insureds with no claims or accidents get the best auto insurance rates as compared to insureds who have frequent claims or accidents.
  • Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride. Any qualifying discounts will cut the amount you have to pay.

Large auto insurance companies and some of their more popular discounts include:

  • Farm Bureau has discounts for multi-vehicle, renewal discount, 55 and retired, safe driver, good student, and youthful driver.
  • State Farm may offer discounts for multiple autos, driver’s education, Drive Safe & Save, student away at school, and defensive driving training.
  • Progressive has savings for online quote discount, online signing, homeowner, good student, continuous coverage, multi-vehicle, and multi-policy.
  • Allstate offers discounts for senior citizen, EZ pay plan discount, multi-policy, teenSMART discount, eSmart discount, and resident student.
  • Nationwide discounts include accident-free, easy pay, good student, multi-policy, and business or organization.
  • MetLife may include discounts for claim-free, accident-free, good driver, multi-policy, and defensive driver.

Double check with all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply in your area. If you would like to see a list of insurance companies that have a full spectrum of discounts, click here to view.

Buy car insurance online

There are several ways to compare car insurance quotes, but one way is less time-consuming than others. You can waste a few hours (or days) talking to insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.

Many companies belong to an insurance system that enables customers to enter their coverage request one time, and each company returns a competitive quote based on the submitted data. This saves time by eliminating quote requests for every car insurance company.

To find out how much you can save on car insurance click here to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose the providers to get pricing from. So if you want to choose from a list of companies to request quotes from, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

Compare rates however you want, just ensure you’re using the exact same coverages with every price quote. If you have different values for each quote it will be very difficult to truly determine the lowest rate. Just slight variations in coverages could skew the results. And when comparing car insurance rates, know that comparing more quotes helps you find the best offered rates. Some regional insurers cannot provide online rate quotes, so you should also compare prices on coverage from those companies, too.

Special considerations

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Does my 2018 GMC Sierra 1500 qualify for pleasure use?
  • When can my company non-renew my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I rent a car in Mexico?
  • Can I get a multi-policy discount?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Parts of your auto insurance policy

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your GMC Sierra 1500.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability

Liability coverage will cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, structural damage and funeral expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Collision insurance

Collision coverage covers damage to your Sierra 1500 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, chiropractic care and dental work. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, vandalism, rock chips in glass and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Pennies from heaven

We covered quite a bit of information on how to reduce 2018 GMC Sierra 1500 insurance rates online. The most important thing to understand is the more times you quote, the higher your chance of finding low cost insurance coverage. Drivers may discover the lowest priced insurance coverage comes from the smaller companies.

People change insurance companies for any number of reasons including unfair underwriting practices, policy non-renewal, not issuing a premium refund or delays in responding to claim requests. No matter why you want to switch, switching companies is not as difficult as it may seem.

Low-cost 2018 GMC Sierra 1500 insurance is possible both online and with local insurance agents, so you should compare both to have the best rate selection. Some companies do not provide the ability to get quotes online and these small, regional companies only sell through local independent agents.

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