2014 GMC Sierra 2500HD Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 7, 2024

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Trying to find cheaper insurance rates for your GMC Sierra 2500HD? Comparing insurance coverage quotes online can be difficult if you are one of the millions of people new to quoting online. But don’t surrender to high rates because comparing rates is actually very simple.

Low cost insurance coverage price quotes

To find the best insurance coverage prices, there are several ways to get quotes from companies that offer insurance coverage in your state. The simplest method to find competitive 2014 GMC Sierra 2500HD insurance rates involves getting comparison quotes online. It’s really quite simple and can be done using a couple different methods.

  • The simplest way to get quotes is an all-inclusive rate comparison. This form eliminates the need for boring form submissions for every insurance coverage company. A single, simple form will get you price quotes from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to analyze rates requires a trip to each individual company website to request a price quote. For examples sake, we’ll pretend you want rates from Auto-Owners, Safeco and Farmers. You would have to spend time on each company’s site and type in your information over and over, and that explains why we recommend the first method.
  • The least efficient and most time consuming way to comparison shop rate quotes is making phone calls or going to local insurance agencies. The ability to quote online makes this unnecessary unless you require the trained advice of a local agency. It is possible with some companies find lower rates online but buy from a local insurance agent.

How you compare quotes is your choice, just double check that you are using identical coverages and limits with each company. If you have mixed coverages it’s impossible to truly determine the lowest rate. Just a small difference in insurance coverages may result in a large different in cost. It’s important to know that making a lot of price comparisons gives you a better chance of getting a lower rate. Some companies don’t provide prices over the internet, so it’s important to also get price quotes from them, too.

Get cheaper insurance costs by understanding these factors

One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that go into determining insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can help you get better insurance rates.

The list below includes just a few of the factors insurance companies consider when setting your prices.

  • Deter theft and pay less – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft and help bring rates down.
  • Do you have enough liability? – Your policy’s liability coverage provides coverage when you are responsible for damages from an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
  • Drive less and get lower prices – The more you drive in a year the more it will cost to insure it. Most companies calculate prices based upon how much you drive. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Sierra 2500HD is throwing money out the window. Make sure your vehicle rating correctly shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Single drivers take more risk – Being married helps lower the price on insurance. Having a significant other translates into being more mature and responsible and insurance companies like that drivers who are married are more cautious.
  • Safer occupants lowers premiums – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you.
  • Rates can drop if you have more than one policy – Most major companies afford better rates to buyers that buy multiple policies, otherwise known as a multi-policy discount. If you currently are using one company, consumers should still comparison shop to guarantee you are still saving the most. You may still save even more than the discount by buying insurance from a different company.
  • Rental and towing coverage may not be needed – There are a lot of additional coverages that may not really be needed on your Sierra 2500HD policy. Coverages like personal injury protection, towing coverage, and term life insurance may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.

Insurance discounts are available to slash your rates

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Some of these discounts will be visible when you complete an application, but some need to be inquired about before being credited.

  • Good Student Discount – Being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates on SierraHD insurance.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
  • New Car Discount – Adding a new car to your policy can get you a discount because newer vehicles are generally safer.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your insurance coverage quote.

Discounts save money, but please remember that most credits do not apply to the whole policy. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

Auto insurance companies that possibly offer these discounts include:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • AAA

Before buying, ask each company or agent which discounts can lower your rates. A few discounts may not apply in your area. If you would like to see a list of insurers that offer the discounts shown above, enter your zip code here.

Everyone needs different auto insurance coverages

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.

These are some specific questions can help discover whether you may require specific advice.

  • Do all my vehicles need collision coverage?
  • When would I need additional glass coverage?
  • Do I need higher collision deductibles?
  • Does my policy pay for OEM or aftermarket parts?
  • Does insurance cover damages from a DUI accident?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my friends covered when driving my car?
  • Am I better off with higher deductibles on my 2014 GMC Sierra 2500HD?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete your zip code.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your GMC Sierra 2500HD.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision coverage covers damage to your Sierra 2500HD resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, rock chips in glass, damage from flooding and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, legal defense fees and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as nursing services, surgery and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

People change insurance companies for a variety of reasons including denial of a claim, unfair underwriting practices, being labeled a high risk driver or even poor customer service. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability limits or collision coverage to discover at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Cost effective 2014 GMC Sierra 2500HD insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not offer rates over the internet and most of the time these regional insurance providers provide coverage only through independent agencies.

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