2013 GMC Sierra 1500 Insurance Rates in 2024 – 8 Tips for Best Quotes

Searching for the cheapest insurance rates for your GMC Sierra 1500? Tired of not being able to scrape enough together to buy insurance? You have the same problem as most other consumers.

Many insurers vie for your business, so it’s not easy to compare every insurer and get the best coverage at the best price available.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Buying car insurance is quite easy. But drivers do need to learn how insurance companies market insurance on the web.

The best way we recommend to compare rates is to understand almost all companies participate in online systems to compare rate quotes. To start a quote, the only thing you need to do is provide details like your education level, the year, make and model of vehicles, if you have an active license, and if you lease or own. That rating information gets sent immediately to many of the top insurers and they return rate quotes within a short period of time.

Lower your insurance rates with these eight discounts

Car insurance companies don’t always list every discount they offer in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

• Student in College – Youth drivers who live away from home at college and do not take a car to college may be able to be covered for less.
• Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
• Savings for New Vehicles – Buying a new car model is cheaper because newer models are generally safer.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
• Telematics Data Discounts – Drivers who elect to allow driving data submission to spy on driving patterns by installing a telematics device such as State Farm’s In-Drive might see lower rates if they have good driving habits.
• Accident Forgiveness – This one is not really a discount per se, but companies like Allstate and GEICO allow you one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
• Defensive Driver Discounts – Taking a class that teaches safe driver techniques may get you a small discount and easily pay for the cost of the class.
• No Claims – Claim-free drivers can earn big discounts as opposed to bad drivers.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you aren’t that lucky.

The best insurance companies and a partial list of their discounts are included below.

• Progressive may offer discounts for homeowner, online quote discount, multi-vehicle, good student, continuous coverage, and online signing.
• AAA offers discounts for pay-in-full, multi-car, good driver, good student, education and occupation, anti-theft, and multi-policy.
• Farmers Insurance offers discounts including pay in full, youthful driver, alternative fuel, switch companies, distant student, and homeowner.
• GEICO may include discounts for federal employee, air bags, anti-theft, seat belt use, and good student.
• Esurance includes discounts for good driver, multi-car, Pac-12 alumni, defensive driver, good student, and online shopper.
• SAFECO offers premium reductions for teen safety rewards, anti-theft, homeowner, bundle discounts, accident prevention training, and anti-lock brakes.
• State Farm policyholders can earn discounts including multiple policy, anti-theft, safe vehicle, driver’s education, multiple autos, and Drive Safe & Save.

Before buying, ask each company or agent which discounts can lower your rates. All car insurance discounts may not be available in your area. To locate insurance companies who offer cheap insurance quotes, enter your zip code here.

You are unique and your auto insurance should be too

When buying the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might help in determining whether your personal situation will benefit from professional help.

• Can I afford to buy a different vehicle if my 2013 GMC Sierra 1500 is totaled?
• What is covered by UM/UIM coverage?
• Will my insurance pay for OEM parts?
• Can I get a multi-policy discount?
• Am I covered by my spouse’s policy after a separation?
• Am I covered when using my vehicle for business?
• Why am I required to buy high-risk coverage?
• Does my personal policy cover me when driving out-of-state?
• Do I have coverage when using my vehicle for my home business?
• Is my custom paint covered by insurance?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, simply complete your zip code.

Smaller companies may have the best rates

Insurance companies such as Progressive, Allstate and GEICO endlessly run television and radio advertisements. They all seem to make an identical promise of big savings just by switching your insurance policy to them. That’s great but how can every company charge less that you’re paying now? This is the trick they use.

Companies have specific criteria for the type of driver that earns them a profit. For instance, this type of insured may be a married female, has had continuous coverage, and drives a vehicle with a low ISO rating. Anyone that hits that “sweet spot” will most likely get cheap car insurance rates and have a good chance to save some money.

Potential insureds who do not fit this stringent profile will be charged a higher rate and this results in business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make claims like that. Different companies use different criteria so you really should compare price quotes frequently. Because you cannot predict which insurance companies will give you the biggest savings.

What insurance coverages do you need?

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, pain medications, chiropractic care, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix 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 coverage protects against claims such as hitting a bird, a broken windshield, damage from getting keyed, theft and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your GMC Sierra 1500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage

This coverage covers damage to your Sierra 1500 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, hitting a parking meter, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Buy online or local, you save

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret that it was a big mistake. Your goal is to buy enough coverage for the lowest price, but do not skimp to save money.

We just presented a lot of techniques to reduce 2013 GMC Sierra 1500 insurance premium rates online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from the least-expected company. These companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

Affordable 2013 GMC Sierra 1500 insurance is definitely available online and from local agencies, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide the ability to get quotes online and usually these small, regional companies only sell through independent agencies.