2018 GMC Sierra 2500HD Insurance Cost – 7 Tips to Save

Want the cheapest auto insurance rates for your GMC Sierra 2500HD? Have you had enough of sacrificing other expenses to pay high auto insurance rates every month? You are in the same boat as many other drivers. Drivers have so many insurers to insure vehicles with, and although it’s nice to have a choice, it can be more challenging to find the lowest cost provider.

The best way to compare policy rates is to know the trick almost all companies participate in a system to provide you with a free rate quote. To get started, all you need to do is give them rating details including your occupation, whether you are married, if you are currently licensed, and deductibles desired. That information gets transmitted to multiple top-rated companies and they provide comparison quotes quickly.

To find lower rates now, click here and enter your zip code.

Get cheaper insurance quotes with discounts

Some providers don’t always publicize every discount in an easy-to-find place, so we researched some of the more common in addition to some of the lesser obvious discounts that you may qualify for. If you’re not getting every credit you qualify for, you’re paying more than you need to.

• Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
• Auto/Home Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could save at least 10% off all policies.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
• Paper-free Discount – Many insurance companies will give you a small discount just for signing your application over the internet.
• 55 and Retired – Older drivers could receive a small decrease in premiums on SierraHD insurance.
• Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
• Onboard Data Collection – Drivers who agree to allow companies to look at their driving habits by installing a telematics device like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.

Don’t be shocked that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, that’s just not realistic.

For a list of insurance companies that offer multiple discounts, click this link.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is not a best way to insure your cars. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether you might need professional guidance.

• Is business property covered if stolen from my car?
• When should I drop full coverage on my 2018 GMC Sierra 2500HD?
• Are there companies who specialize in insuring high-risk drivers?
• What companies insure drivers after a DUI or DWI?
• Are my friends covered when driving my 2018 GMC Sierra 2500HD?
• Am I covered when driving on a suspended license?
• When would I need rental car insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Coverage for collisions

Collision coverage pays for damage to your Sierra 2500HD 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 coverage protects against claims like driving through your garage door, rolling your car, sideswiping another vehicle, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like structural damage, medical services and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, theft, fire damage and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like prosthetic devices, rehabilitation expenses, dental work, pain medications and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible