2016 GMC Sierra 2500HD Insurance Quotes in 2024 – 8 Tips for Best Rates

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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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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Are you irritated from trying to scrape together enough money to pay insurance coverage each month? Your situation is no different than many other drivers.

Since you have so many companies and agents to choose from, it can be hard to pick the right insurance coverage provider.

Smart consumers take time to quote other rates before your next renewal because prices change regularly. Even if you think you had the best quotes on SierraHD coverage at your last renewal a different company probably has better rates today. There is a lot of bad information regarding insurance coverage on the web, but in a few minutes you can learn a bunch of ideas how to slash your insurance coverage rates.

The quickest way to compare policy rates is to know the fact most larger insurance companies participate in a system to give free rates quotes. All consumers are required to do is give them rating details including your credit rating estimate, if a SR-22 is required, marital status, and what you do for a living. The rating information is instantly submitted to multiple auto insurance providers and you will get price comparisons instantly.

Advertising and auto insurance

Auto insurance providers like Allstate and Progressive seem to constantly run ads on television and other media. All the ads state the claim of big savings after switching to them. It sounds good, but how can they all offer you a better deal? It’s all in the wording.

Companies have a certain “appetite” for the type of driver that will be a good risk. One example of a preferred risk could be between 30 and 50, carries high limits, and drives a lower-performance vehicle. Any customer that matches those criteria will probably get cheap rates and will probably save money with a new company.

Potential insureds who do not fit those standards will have to pay higher premium rates with the end result being the customer not buying. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that much. This is how companies can truthfully advertise the way they do. This really illustrates why it’s extremely important to compare rate quotes every year. Because you cannot predict which auto insurance company will fit your personal profile best.

Insurance discounts help slash rates

Companies offering auto insurance don’t always list the complete list of policy discounts in a way that’s easy to find, so we took the time to find both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

  • Multiple Vehicles – Buying coverage for multiple cars or trucks on the same insurance policy could earn a price break for each car.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as Allstate, Progressive, and GEICO will allow you to have one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
  • Good Student – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Memberships – Joining a professional or civic organization is a good way to get lower rates on your bill.
  • Onboard Data Collection – Drivers who elect to allow their insurance company to track where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.
  • Pay Early and Save – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that have most of these discounts include:

  • MetLife
  • State Farm
  • Progressive
  • Mercury Insurance
  • 21st Century
  • Allstate

When comparing rates, check with every insurance company what discounts are available to you. All car insurance discounts may not be available in every state. If you would like to choose from a list of companies with discount rates, enter your zip code here.

Which is the best insurance coverage?

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover whether or not you could use an agent’s help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I crash into my own garage door?
  • What can I do if my company won’t pay a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete your zip code.

Coverage specifics

Understanding the coverages of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage and rock chips in glass. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like pain medications, hospital visits, funeral costs, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2016 GMC Sierra 2500HD.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as bail bonds, loss of income, court costs and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This covers damage to your Sierra 2500HD resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Shop. Compare. Save.

Cheap 2016 GMC Sierra 2500HD insurance can be found both online as well as from insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not provide online rate quotes and many times these smaller providers sell through independent insurance agents.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

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