2014 GMC Sierra 2500HD Car Insurance Quotes

Are you tired of not being able to afford to buy car insurance? You’re in the same situation as many other drivers. Insurance companies such as Geico and Progressive all promote huge savings with ads and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Discounts are available to cut your rates

Companies do not advertise every available discount in a way that’s easy to find, so we researched some of the best known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts up to 30%.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
  • Save over 55 – Older drivers may receive a discount up to 10% for SierraHD insurance.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Paperless Signup – A few companies may give you up to $50 just for signing your application on their website.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

A partial list of companies that may offer these money-saving discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Savings might not be offered in your area.

Vehicle Insurance Comparison

There are a lot of ways you can shop for insurance coverage but there is one way that is less labor-intensive and much quicker. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Most of the best insurance companies participate in an industry program that enables customers to submit one quote, and at least one company can give them a price. This saves time by eliminating form submissions to each individual insurance coverage company.

To submit your quote information now, click here to open in new window.

The only drawback to using this type of form is that consumers can’t choose the providers to get quotes from. If you would rather choose individual companies to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but make darn sure you compare exactly the same coverages on every quote. If each company quotes different limits and deductibles on each one you will not be able to determine the lowest rate for your GMC Sierra 2500HD.

Parts of the GMC Sierra 2500HD rate equation

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

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

  • You might want pay the small claims yourself – Car insurance companies provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either higher rates or even cancellation. Car insurance is designed for the large, substantial claims.
  • Poor credit can mean higher rates – A driver’s credit history is a huge factor in calculating your car insurance rates. If your credit score is not that good, you could potentially save money when insuring your 2014 GMC Sierra 2500HD by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores.
  • Older drivers pay less – Older insureds tend to be more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers are statistically proven to be careless and easily distracted when behind the wheel and because of this, their car insurance rates are much higher.
  • Where do you drive? – The more miles you rack up on your GMC each year the more you will pay for car insurance. Most companies rate vehicles based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Sierra 2500HD can cost quite a bit. Ask your agent if your car insurance policy properly reflects how each vehicle is driven.
  • Pay less if you’re married – Getting married actually saves money when buying car insurance. Having a significant other means you’re more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Liability coverage is cheap – Liability coverage is the protection if ever a court rules you are at fault for damages from an accident. It will provide legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar numbers, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Extra coverages can waste money – There are many add-on coverages that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death and membership fees are examples of these. They may seem good initially, but your needs may have changed so get rid of them and save.

Everyone needs different coverages

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I afford low physical damage deductibles?
  • Can I make deliveries for my home business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my insurance cover my expensive audio equipment?
  • How much liability do I need to cover my assets?
  • Where can I find DUI or SR-22 insurance?
  • Are my friends covered when driving my 2014 GMC Sierra 2500HD?
  • Does coverage extend to a rental car in a foreign country?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Detailed coverages of your car insurance policy

Having a good grasp of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Comprehensive auto coverage

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

Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

This coverage can cover damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others. 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 values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like prosthetic devices, surgery, doctor visits, X-ray expenses and EMT expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a building, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Be a smart shopper

Discount 2014 GMC Sierra 2500HD insurance can be purchased from both online companies and with local insurance agents, so you should compare both to have the best rate selection. A few companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, never skimp on coverage in order to save money. Too many times, an accident victim reduced liability limits or collision coverage and learned later that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price.

In this article, we covered a lot of techniques to save on insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the biggest savings come from some of the lesser-known companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

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