Cheapest 2016 GMC Sierra 1500 Insurance Rates in 2023
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UPDATED: Dec 1, 2021
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Trying to find better auto insurance rates for your GMC Sierra 1500? Getting discount auto insurance may at first seem to be somewhat difficult for consumers new to buying their auto insurance on the web. With so many insurance agents and companies competing online, how can anyone have time to compare every auto insurance company to find the cheapest available price?
The most recommended method to compare policy rates is to take advantage of the fact most insurance companies will pay a fee to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details such as what you do for a living, if you lease or own, an estimate of your credit level, and if you are currently licensed. Your insurance information is instantly sent to multiple companies and you get price estimates almost instantly.
Lower rates by qualifying for discounts
Some companies don’t always list every disount available very well, so we researched a few of the more common and the harder-to-find discounts that you may qualify for. If you do not check that you are getting every discount available, you could be getting lower rates.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
- Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not take a car to college could get you a discount.
- Clubs and Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates on your next insurance statement.
- Defensive Driver – Taking part in a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
- Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
- Accident Waiver – Not necessarily a discount, but some companies like State Farm and GEICO will allow you to have one accident before they charge you more for coverage if your claims history is clear for a specific time period.
- Telematics Devices – Policyholders that allow data collection to track vehicle usage by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
- E-sign – A few insurance companies will give a small break for completing your application on your computer.
- Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount should definitely cut the amount you have to pay.
A list of companies and some of the discounts are included below.
- State Farm offers premium reductions for defensive driving training, driver’s education, passive restraint, accident-free, and safe vehicle.
- GEICO discounts include seat belt use, multi-policy, federal employee, membership and employees, air bags, anti-lock brakes, and daytime running lights.
- Liberty Mutual offers discounts including newly married, newly retired, new vehicle discount, exclusive group savings, teen driver discount, and new graduate.
- The Hartford policyholders can earn discounts including vehicle fuel type, air bag, driver training, good student, bundle, and defensive driver.
- MetLife may include discounts for claim-free, good driver, good student, accident-free, defensive driver, multi-policy
- Progressive includes discounts for multi-vehicle, homeowner, online signing, multi-policy, good student, and continuous coverage.
When getting a coverage quote, ask all the companies which discounts you may be entitled to. Savings may not apply to policyholders in every state. For a list of providers that offer multiple discounts, click this link.
Auto insurance is unique, just like you
When it comes to buying the best auto insurance coverage, there really is no “best” method to buy coverage. Every situation is different.
For instance, these questions can aid in determining if you could use an agent’s help.
- Why is insurance for a teen driver so high?
- Is business property covered if stolen from my car?
- What are the best liability limits?
- I have a DUI can I still get coverage?
- I have health insurance so do I need medical payments coverage?
- Why am I required to get a high-risk car insurance policy?
- Am I covered if I hit a deer?
- Will my rates increase for filing one claim?
- Does my policy pay for OEM or aftermarket parts?
- What is UM/UIM insurance?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.
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Car insurance coverages for a GMC Sierra 1500
Having a good grasp of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Comprehensive auto coverage
This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as vandalism, fire damage, hitting a deer and damage from getting keyed. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This coverage pays for damage to your Sierra 1500 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like rolling your car, sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra 1500.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
This coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like attorney fees, emergency aid, medical services, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as doctor visits, chiropractic care, pain medications, prosthetic devices and dental work. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage.
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