2013 GMC Sierra 1500 Hybrid Car Insurance Rates

Want cheaper insurance rates for your GMC Sierra 1500 Hybrid? Comparing car insurance rates is not a task car owners enjoy, but all states require it before you can legally be on the road.

It’s a great practice to check insurance prices before your policy renews because rates are variable and change quite frequently. Just because you had the lowest price on Sierra Hybrid coverage two years ago there may be better deals available now. There is a lot of bad information regarding insurance online, so by reading this article, you’re going to learn some tested techniques to quit paying high insurance rates.

The purpose of this post is to introduce you to how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. But consumers do need to understand the methods companies use to market insurance on the web and apply this information to your search.

Car Insurance Quote Comparison

When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The quickest method to find the cheapest 2013 GMC Sierra 1500 Hybrid insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

The fastest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for boring form submissions for each company. One quote request will get you price quotes from several companies. It’s the fastest way to compare.

A more difficult way to compare rate quotes consists of going to each individual company website to request a price quote. For instance, let’s assume you want comparison quotes from State Farm, Allstate and Farmers. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make sure you use exactly the same coverages for each comparison quote. If the quotes have mixed coverages it will be very difficult to determine which rate is truly the best. Just a small difference in insurance coverages can make a big difference in price. And when price shopping your coverage, comparing more company’s prices helps you find better pricing.

Discounts to lower 2013 GMC Sierra 1500 Hybrid insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but some must be inquired about before you get the savings.

  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Accident Waiver – A few companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.

It’s important to understand that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, you’re out of luck. Any amount of discount will cut the cost of coverage.

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

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not be available in your area.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • When would I need rental car insurance?
  • Should I rate my 2013 GMC Sierra 1500 Hybrid as pleasure use or commute?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving in Canada or Mexico?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • I don’t drive much so do I pay less?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Pieces of the GMC Sierra 1500 Hybrid insurance rate puzzle

It’s important that you understand some of the elements that play a part in calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are some of the factors companies use to determine premiums.

  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for insurance? Careers like doctors, social workers and financial analysts have higher average rates attributed to high stress levels and long work hours. Conversely, professions such as actors, engineers and homemakers get better rates on Sierra Hybrid coverage.
  • Add-on coverages can add up – There are quite a few extra coverages that you can get tricked into buying on your 2013 Sierra 1500 Hybrid policy. Things like rental car reimbursement, accidental death and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Tickets mean higher rates – Good drivers get better rates than their less careful counterparts. Even a single moving violation can increase rates twenty percent or more. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Too many insurance claims drive up costs – If you file claims often, you can expect either higher rates or even cancellation. Companies award lower rates to people who are claim-free. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Do you know your deductibles? – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your GMC. Examples of covered claims are a windshield shattered by a rock, damage from fire, and windstorm damage. Deductibles for physical damage are how much you are willing to pay out-of-pocket if you file a covered claim. The more you’re willing to pay, the less your company will charge you for insurance on Sierra Hybrid coverage.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.

Auto insurance 101

Having a good grasp of a car insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your GMC Sierra 1500 Hybrid.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability

This protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, structural damage, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like nursing services, surgery, doctor visits and funeral costs. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, crashing into a building, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

More comparisons equals lower rates

Throughout this article, we presented a lot of tips how to lower your 2013 GMC Sierra 1500 Hybrid insurance rates. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

Affordable insurance is definitely available from both online companies and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There are too many instances where consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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