How Much Does 2010 GMC Sierra 2500HD Car Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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Buying low-cost auto insurance online may be rather challenging for consumers new to buying insurance online. With dozens of insurers to choose from, how can drivers possibly compare the different rates to find the best price?

Smart consumers take time to do rate comparisons every six months because insurance rates are constantly changing. Just because you found the best deal on SierraHD coverage last year you will most likely find a better rate today. Starting now, block out anything you think you know about auto insurance because it’s time to teach you the right way to find better rates and still maintain coverage.

Which Car Insurance is Cheapest?

All the larger car insurance companies provide insurance quotes online. Getting online rates is pretty painless as you simply type in the coverages you want into a form. Once you submit the form, their system will order your driving record and credit report and gives you a price quote based on these factors.

This streamlines rate comparisons, but the process of having to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes in order to get the lowest price.

Quote rates the easy way

A quicker way to compare car insurance pricing uses one form to obtain quotes from many companies. This type of form saves time, requires less work, and makes comparison shopping a little more enjoyable. After your information is entered, it is rated and you can select any or none of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It takes just a few minutes to complete and may save quite a bit of money.

To get comparison pricing now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended that you enter the insurance coverages identical to your current policy. This ensures you’re receiving rate quotes based on the exact same insurance coverage.

These discounts can slash insurance coverage rates

Companies don’t necessarily list every discount very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on SierraHD coverage.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

It’s important to understand that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies who might offer these money-saving discounts include:

Before buying, ask all companies you are considering how you can save money. Savings might not be offered in every state.

When might I need the advice of an agent?

When it comes to buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique.

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These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • Do I need higher collision deductibles?
  • Should I waive the damage coverage when renting a car?
  • Are my friends covered when driving my 2010 GMC Sierra 2500HD?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the difference between comprehensive and collision coverage?
  • How much can I save by bundling my policies?
  • When would I need additional glass coverage?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Auto insurance 101

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This coverage will pay to fix damage to your Sierra 2500HD resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, hitting a parking meter, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, damage from flooding and hitting a deer. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 GMC Sierra 2500HD.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like hospital visits, ambulance fees, pain medications, surgery and prosthetic devices. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Liability

This provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees, bail bonds, medical expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Use our FREE quote tool to compare rates now!

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