How Much Does 2017 GMC Sierra 1500 Insurance Cost in 2024?

Trying to find the cheapest auto insurance rates for your GMC Sierra 1500? Trying to find cheap Driversauto insurance could be quite difficult for drivers not familiar with comparing rates online. With so many agents and companies in the marketplace, it can quickly become a difficult mission to find the lowest price.

Insurance costs are influenced by these factors

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that aid in calculating the level of your policy premiums. When consumers understand what determines premiums, this enables you to make decisions that could result in big savings.

The itemized list below are some of the items companies use to determine your prices.

• Where you live is a factor – Living in areas with lower population can be a good thing if you are looking for the lowest rates. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. People in densly populated areas have to deal with more traffic problems and higher rates of accident claims. The longer drive time means more chances of being involved in an auto accident.
• Long commutes cost more – The higher the miles on your GMC annually the more you’ll pay to insure it. A lot of companies price each vehicle’s coverage based on their usage. Cars that have low annual miles get more affordable rates than those used for commuting. It’s always a good idea to double check that your declarations sheet correctly shows the right rating data. Improper usage on your Sierra 1500 can result in significantly higher rates.
• Higher premiums for specific vocations – Jobs such as fire fighters, air traffic controllers and miners generally pay higher rates than average due to high stress levels and lots of time spent at work. Conversely, jobs such as professors, historians and performers have lower than average premiums on Sierra coverage.
• Don’t let your insurance lapse – Going without insurance will be a fast way to increase your renewal premiums. Not only will you pay higher rates, the inability to provide proof of insurance might get you a license revocation or jail time.
• Only buy extra coverages you need – There are a ton of extra coverages that you can buy but may not be useful. Coverages for roadside assistance, better glass coverage, and extra equipment coverage could be just wasting money. The coverages may be enticing at first, but if you have no use for them eliminate them to save money.
• Know your credit history – Credit history is likely to be a major factor in calculating your premium rate. Insureds with high credit scores tend to be better drivers and file fewer claims than those with lower ratings. Therefore, if your credit is lower than you’d like, you may save money insuring your 2017 GMC Sierra 1500 by improving your rating.

More discounts mean lower-cost premiums

Some companies don’t always list the entire discount list in a way that’s easy to find, so the list below contains some of the best known and the harder-to-find credits that you can use to lower your rates.

• Safe Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on Sierra coverage than drivers with accidents.
• Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction on Sierra coverage with select insurance companies.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts can save a little off the personal injury premium cost.
• Safety Course Discount – Passing a course in defensive driver is a good idea and can lower rates and also improve your driving technique.
• 55 and Retired – Mature drivers are able to get a small decrease in premiums on Sierra coverage.
• Lower Rates for Military – Being deployed in the military could trigger a small discount.
• Accident-Free Discounts – Drivers with accident-free driving histories get the best insurance coverage rates as compared to bad drivers.
• Switch and Save Discount – Some insurance coverage companies give discounts for signing up early. This can save 10% or more.
• Homeowners Pay Less – Just owning your own home can save a few bucks since owning and maintaining a home demonstrates responsibility.
• Multiple Policy Discount – If you have multiple policies with one company they may give you a discount of at least 10% off all policies.

Don’t be surprised that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, nobody gets a free ride.

Companies and some of the premium reductions they offer are detailed below.

• Progressive offers premium reductions for continuous coverage, online signing, multi-vehicle, homeowner, and multi-policy.
• GEICO offers discounts for five-year accident-free, multi-policy, defensive driver, anti-lock brakes, good student, and anti-theft.
• State Farm has savings for anti-theft, multiple autos, Drive Safe & Save, driver’s education, and passive restraint.
• Esurance discounts include anti-lock brakes, multi-policy, DriveSense, renters, online shopper, defensive driver, and paid-in-full.
• The Hartford has discounts for vehicle fuel type, defensive driver, driver training, air bag, and anti-theft.

When getting free insurance coverage quotes, it’s a good idea to each insurance company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. For a list of providers that have a full spectrum of discounts, enter your zip code here.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

• Does my car insurance cover rental cars?
• Are my friends covered when driving my 2017 GMC Sierra 1500?
• Is my ex-spouse still covered by my policy?
• Is extra glass coverage worth it?
• Do I need PIP coverage since I have good health insurance?
• Does coverage extend to my business vehicle?
• Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete your zip code.

Learn about car insurance coverages for a GMC Sierra 1500

Having a good grasp of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from flooding and falling objects. The most 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 it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your GMC Sierra 1500.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

This coverage covers damage to your Sierra 1500 resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, backing into a parked car, damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like X-ray expenses, EMT expenses, pain medications, surgery and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This protects you from damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: 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 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like pain and suffering, medical services, loss of income, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Quote more, save more

We just covered a lot of tips how to reduce 2017 GMC Sierra 1500 insurance rates online. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, not issuing a premium refund, unfair underwriting practices and delays in paying claims. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

Budget-friendly auto insurance is definitely available both online and with local insurance agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who do not provide the ability to get quotes online and most of the time these smaller providers work with independent agents.