2010 GMC Sierra 3500HD Insurance Quotes – 6 Ideas for Cheaper Rates

Want cheaper car insurance rates for your GMC Sierra 3500HD? I can’t think of anyone who likes buying car insurance, especially knowing their premiums are too high.

Many car insurance companies vie for your business, and it can be difficult to compare rates and get the best coverage at the lowest cost out there.

If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Finding affordable coverage is not that difficult. Although car owners do need to know how big insurance companies price insurance differently.

Car insurance policy discounts you can’t miss

Insurance can cost an arm and a leg, but you may qualify for discounts that you may not even know about. A few discounts will be applied when you quote, but a few need to be asked for before they will apply.

• Low Miles Discount – Low annual miles could qualify for slightly better car insurancerates than normal.
• Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
• Drivers Ed for Students – Have your child sucessfully take a drivers education course in high school.
• Good Student Discount – Performing well in school can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
• Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off on SierraHD insurance with certain companies.
• Auto/Home Discount – When you combine your auto and homeowners insurance and insure them with the same company you could get a discount of up to 20% off your total premium.

Just know that many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

To find companies that can offer you the previously mentioned discounts, click here to view.

Can you really save if you switch?

Auto insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the ads make an identical promise that drivers can save some big amount if you get a free car insurance quote and switch your policy. How can each company say the same thing? Here is the trick they use.

Auto insurance companies give the best rates for a prospective insured that earns them the highest profit. For instance, this type of driver could possibly be over the age of 40, has had continuous coverage, and drives less than 10,000 miles a year. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to cut their rates if they switch.

Insureds who cannot meet this ideal profile will be quoted a more expensive rate which usually ends up with the customer buying from a different company. The ads state “people that switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can make those claims.

This emphasizes why drivers must get as many free car insurance quotes as possible. It is impossible to guess which company will have the lowest rate quotes.

Insurance agents can help

When choosing adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

• How high should my uninsured/underinsured coverage be in my state?
• Is a blown tire covered by insurance?
• Why do I only qualify for high-risk insurance?
• Can my babysitter drive my car?
• Is other people’s property covered if stolen from my vehicle?
• Does my 2010 GMC Sierra 3500HD qualify for pleasure use?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance policy coverages for a GMC Sierra 3500HD

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for funeral costs, hospital visits, doctor visits, rehabilitation expenses and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision insurance

Collision coverage covers damage to your Sierra 3500HD caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability auto insurance

This protects you from injuries or damage you cause to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as pain and suffering, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your GMC Sierra 3500HD.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Money doesn’t grow on trees

When searching for cheap car insurance quotes, it’s a bad idea to skimp on coverage in order to save money. Too many times, an insured cut physical damage coverage and learned later they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

Throughout this article, we presented many tips how you can shop for 2010 GMC Sierra 3500HD insurance online. The most important thing to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with the smaller companies. These companies often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

More tips and info about insurance can be found in these articles:

• Distracted Driving Statistics (Insurance Information Insitute)
• Who Has the Cheapest Car Insurance for a GMC Sierra in Denver? (DenverCoverage.com)
• Driving in Bad Weather (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• How to Avoid Staged Accidents (State Farm)