2013 GMC Sierra 3500HD Car Insurance Rates

Finding better insurance prices for a GMC Sierra 3500HD can be difficult, but you can learn the following methods to make it easier. There are more efficient ways to shop for insurance and we’ll show you the absolute fastest way to get price quotes on a GMC and get the lowest price from both online companies and local agents.

Why you might be paying too much to insure your GMC Sierra 3500HD

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for insurance coverage. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to better insurance coverage rates.

  • Careful drivers pay lower rates – Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation can increase rates forty percent or more. Good drivers have lower premiums than bad drivers. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your GMC has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death and additional equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so remove them from your policy.
  • Younger drivers pay higher rates – Older insureds are more responsible, file fewer claims and are safer drivers. Teenage drivers have a tendency to be less responsible when behind the wheel therefore insurance coverage rates are much higher.

Get lower rates on 2013 GMC Sierra 3500HD insurance

Companies offering auto insurance don’t always advertise every discount in a way that’s easy to find, so here is a list some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.

  • Bundle and Save – If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Claim Free – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
  • Safe Drivers – Safe drivers may save up to 50% more for SierraHD insurance than drivers with accident claims.
  • Air Bag Discount – Vehicles equipped with air bags can receive discounts up to 30%.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.

Keep in mind that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurers offering auto insurance discounts, click here.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions might point out if your situation might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my trailer covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How does medical payments coverage work?
  • What is PIP insurance?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Learn about insurance coverages for a GMC Sierra 3500HD

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverage

This coverage protects you from damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like court costs, medical services and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from getting keyed, hitting a deer, a broken windshield and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your GMC Sierra 3500HD.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage

Collision insurance will pay to fix damage to your Sierra 3500HD caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage kick in for expenses for things like doctor visits, rehabilitation expenses, nursing services, prosthetic devices and surgery. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Shop smart and save

Insureds switch companies for any number of reasons including being labeled a high risk driver, policy cancellation, delays in paying claims or an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

We covered a lot of information how to lower your 2013 GMC Sierra 3500HD insurance rates. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at the best price while still protecting your assets.

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