2014 GMC Sierra 3500HD Insurance Cost in 2024 – 6 Tricks for Cheaper Prices

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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: Apr 16, 2024

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Looking for better auto insurance rates for your GMC Sierra 3500HD? Having to pay for overpriced GMC Sierra 3500HD insurance can overdraw your bank account and put the squeeze on your family’s finances. Performing a rate comparison can lower your rates and help to lower your bills every month.

Popular companies such as State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with ad campaigns and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

Lower rates by qualifying for these six discounts

Car insurance companies don’t necessarily list all discounts very well, so the list below details a few of the more common and the more hidden savings tricks you should be using when you buy insurance online.

  • Defensive Driver Discounts – Participating in a defensive driver class could cut 5% off your bill depending on where you live.
  • Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Anti-theft Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance quote.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase auto and life insurance together.
  • Safety Restraint Discount – Requiring all passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Driving Data Discount – Drivers who agree to allow driving data submission to analyze when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So when the math indicates you could get a free insurance coverage policy, that’s just not realistic.

Companies that may offer many of the previously listed discounts include:

  • State Farm
  • Progressive
  • Progressive
  • MetLife
  • Farm Bureau

When quoting, ask each insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area. To find insurance coverage companies that offer some of these discounts, enter your zip code here.

How to buy insurance

Getting a more affordable price on 2014 GMC Sierra 3500HD insurance can be relatively painless. You just have to take a few minutes comparing rates to see which company has low cost insurance quotes. This is very easy and can be done using one of these methods.

  • Hands down the most simple method to find the lowest comparison rates is to use a rate comparison form. This method saves time by eliminating a different quote for each price estimate. Filling out one form will get you price quotes instantly.
  • A more difficult way to get quotes online requires you to visit each individual company website and repeat the quote process again and again. For sake of this example, we’ll assume you want to get rates from Liberty Mutual, Farmers and State Farm. To find out each rate you need to go to every website to enter the same coverage data repeatedly, which is not fast way to get rate quotes.
  • If you have time to kill, the last method to comparison shop rate quotes is to spend your day driving to insurance agents’ offices. Doing it all online can eliminate the need for a local agent unless you’re the type of person who wants the peace of mind that you can only get from talking to an agent. It is possible to comparison shop online but still have the advice of a local agent.

Whichever way you use, try to use exactly the same coverages and limits with each company. If you are comparing higher or lower deductibles you can’t possibly determine which company has the best rates.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Am I covered when driving someone else’s vehicle?
  • How can I force my company to pay a claim?
  • What are the financial responsibility laws in my state?
  • Exactly who is provided coverage by my policy?
  • When should I not file a claim?
  • Do I need more liability coverage?
  • How high should my medical payments coverage be?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Be skeptical of car insurance ads

Consumers can’t ignore all the ads that claim the best prices by companies like Progressive, GEICO, Allstate and State Farm. All the companies make the same claim that drivers can save some big amount just by moving your policy.

How does every car insurance company save you money? Just pay attention to how they say it.

Insurance companies have specific criteria for the type of customer that will most likely be profitable. An example of this type of risk profile could possibly be over the age of 50, owns a home, and does not commute to work. Any person who matches that profile receive the lowest rate quotes and is almost guaranteed to save if they switch.

Insureds who don’t measure up to those standards will be quoted a higher rate which leads to the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s why insurance companies can advertise the way they do.

This really drives home the point why drivers must get as many free insurance quotes as possible. It’s just not possible to know which insurance companies will be your best fit.

Car insurance coverages explained

Understanding the coverages of your car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, falling objects, rock chips in glass, hail damage and damage from getting keyed. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects, pain and suffering and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra 3500HD.

Because many people 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 should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for EMT expenses, doctor visits, chiropractic care and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto collision coverage

This will pay to fix damage to your Sierra 3500HD resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Have the Midas touch

You just learned a lot of information how to reduce 2014 GMC Sierra 3500HD insurance prices online. The most important thing to understand is the more you quote insurance, the better your chances of lowering your rates. You may be surprised to find that the best prices are with the smaller companies. These companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

Cheaper car insurance can be bought online and from local agencies, and you should compare rates from both to have the best chance of lowering rates. Some companies do not offer rates over the internet and usually these regional carriers sell through independent agents.

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