2013 GMC Sierra 3500HD Car Insurance Quotes in 2024 – 6 Tips for Cheaper Rates

Trying to find the cheapest insurance rates for your GMC Sierra 3500HD? Have you finally had enough of paying out the nose to insure your GMC every month? You’re in the same situation as most other drivers. Numerous insurance companies battle for your business, and because of this it can be hard to compare auto insurance companies to find the absolute lowest cost out there.

Auto insurance policy discounts you can’t miss

Insuring your vehicles can cost a lot, but you might already qualify for some discounts to cut the cost considerably. Certain credits will be shown at the time of quoting, but a few must be asked about before being credited.

• Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
• No Charge for an Accident – Not a discount per se, but certain companies will allow you to have one accident without getting socked with a rate hike so long as you are claim-free for a set time period.
• Responsible Driver Discounts – Insureds without accidents may save up to 50% more on SierraHD insurance compared to accident prone drivers.
• Discount for Multiple Policies – If you have multiple policies with the same company you could earn a discount of at least 10 to 15 percent or more.
• Accident Free – Drivers who stay claim-free can earn big discounts when compared with drivers with a long claim history.
• Discount for Switching Early – A few larger companies give discounts for switching policies early. Ten percent is about the average savings.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the whole policy. Most cut specific coverage prices like comp or med pay. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

A list of companies and some of their more popular discounts are shown below.

• Progressive has discounts for online signing, homeowner, good student, multi-policy, multi-vehicle, online quote discount, and continuous coverage.
• SAFECO discounts include teen safety rewards, multi-car, bundle discounts, accident prevention training, safe driver, anti-theft, and drive less.
• American Family may have discounts that include accident-free, mySafetyValet, air bags, defensive driver, early bird, multi-vehicle, and good driver.
• MetLife has savings for accident-free, good student, defensive driver, claim-free, good driver, multi-policy
• GEICO offers discounts for daytime running lights, federal employee, five-year accident-free, multi-policy, and driver training.
• The Hartford policyholders can earn discounts including defensive driver, driver training, good student, vehicle fuel type, bundle, air bag, and anti-theft.

Before you buy a policy, ask all the companies to apply every possible discount. Some discounts listed above might not be available to policyholders in your area. To see insurers that can offer you the previously mentioned discounts, enter your zip code here.

How to find cheap insurance coverage

All major insurance coverage companies allow you to get prices direct online. Getting online quotes doesn’t take much effort as you simply type in your personal and coverage information as detailed in the form. Behind the scenes, their system sends out for credit information and your driving record and returns a price. Being able to quote online makes it easy to compare insurance prices but the time it takes to visit a lot of sites and type in the same information is a waste of time. But it’s very important to perform this step if you want to get the best price on insurance coverage.

The quickest way to get multiple rate quotes is to use a quote form that gets prices from a lot of companies. The form is fast, helps eliminate repetitive entry, and makes price shopping online much more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any of the resulting price quotes. If you find a better price it’s easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.

To save time and compare pricing, simply enter your zip code here and enter your information. If you have a policy now, it’s recommended you enter the limits and deductibles identical to your current policy. This ensures you will receive rate comparison quotes based on similar coverages.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine whether your personal situation could use an agent’s help.

• Are there companies who specialize in insuring high-risk drivers?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need replacement cost coverage on my 2013 GMC Sierra 3500HD?
• Can I afford low physical damage deductibles?
• Is there coverage for injuries to my pets?
• Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Do drivers who switch really save?

Consumers constantly see and hear ads for auto insurance savings from the likes of State Farm, GEICO and Progressive. They all state the claim about savings if you just switch your coverage.

How do they all give you a better price? Here is how they do it.

Insurance companies give the cheapest rates for the type of customer that earns them a profit. For instance, a preferred risk should be married and over the age of 30, has few claims, and the vehicle is rated for pleasure use. Someone who meets those qualifications will get very good car insurance rates and is almost guaranteed to save money with a new company.

People who don’t qualify for these stringent criteria will get a higher premium and business not being written. The ads state “drivers who switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can state the savings. This emphasizes why you really should get price quotes at each policy renewal. It is impossible to predict the company that will provide the lowest car insurance rates.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. These are typical coverage types found on most car insurance policies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your GMC Sierra 3500HD.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

This coverage will pay to fix damage to your Sierra 3500HD resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, a tree branch falling on your vehicle, damage from flooding, a broken windshield and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, emergency aid, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for funeral costs, doctor visits, ambulance fees, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Be a smart shopper

You just learned some good ideas how to lower your 2013 GMC Sierra 3500HD insurance prices. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance coverage comes from a small local company. These companies can often provide lower rates in certain areas compared to the large companies like Progressive or GEICO.

Affordable 2013 GMC Sierra 3500HD insurance is definitely available online and with local insurance agents, so you should compare both to have the best selection. Some companies don’t offer rates over the internet and many times these small, regional companies provide coverage only through local independent agents.