Compare 2019 GMC Sierra 1500 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: Jun 6, 2024

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Locating budget-priced auto insurance online can appear to be challenging for beginners to buying insurance over the internet. With dozens of online companies available, how are vehicle owners able to even start to compare each option to find better auto insurance prices?

You should take the time to compare prices at least once a year since prices are constantly changing. Even if you think you had the lowest rate on Sierra coverage a year ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re going to get a crash course in the fastest way to reduce your cost while increasing coverage.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. This information will teach you how to get online quotes and some tricks to saving. But drivers need to have an understanding of the methods companies use to market insurance on the web.

Discount insurance quotes

Insurance is not inexpensive, but there are discounts available that many consumers don’t even know exist. Some discounts will apply at the time of purchase, but occasionally some discounts must be manually applied prior to getting the savings.

  • Air Bag Discount – Factory options such as air bags can receive discounts of 20 to 30 percent.
  • Multi-policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you will save at least 10 to 15 percent or more.
  • Seat Belts Save – Requiring all passengers to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
  • Government Employee Discount – Active or former government employment could provide a small rate reduction on Sierra coverage with select insurance companies.
  • First Accident Forgiveness – Not necessarily a discount, but some insurance companies allow you one accident without the usual rate increase if you have no claims for a set time period.
  • Pay Early and Save – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.

As a sidenote, most of the big mark downs will not be given to the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A list of insurance companies and the discounts they provide can be found below.

  • State Farm may include discounts for passive restraint, Steer Clear safe driver discount, accident-free, Drive Safe & Save, and multiple policy.
  • American Family discounts include accident-free, good driver, multi-vehicle, Steer into Savings, bundled insurance, and early bird.
  • GEICO policyholders can earn discounts including emergency military deployment, membership and employees, daytime running lights, federal employee, multi-policy, good student, and seat belt use.
  • 21st Century offers premium reductions for automatic seat belts, 55 and older, early bird, good student, and theft prevention.
  • Progressive has savings for good student, online signing, multi-vehicle, multi-policy, online quote discount, homeowner, and continuous coverage.

Before you buy a policy, ask every insurance company which discounts can lower your rates. Savings might not be offered on policies everywhere.

Tailor your car insurance coverage to you

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • Does my 2019 GMC Sierra 1500 need full coverage?
  • Does my 2019 GMC Sierra 1500 qualify for pleasure use?
  • Is my camper covered by my car insurance policy?
  • Do I need added coverage for expensive stereo equipment?
  • Can I get a multi-policy discount?
  • Does my insurance cover a custom paint job?
  • Do all my vehicles need collision coverage?
  • Is my 2019 GMC Sierra 1500 covered for smoke damage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete your zip code.

Don’t be fooled by advertising claims

Insurance providers like Progressive, Allstate and GEICO continually stream ads on television and other media. All the companies try to convey promises that drivers will save a bundle if you just switch your insurance coverage to their company. How is it possible that every company can make almost identical claims? It’s all in the wording.

Insurance companies require specific criteria for a prospective insured that earns them a profit. A good example of this type of insured might be over the age of 45, carries full coverage, and drives less than 10,000 miles a year. Someone that matches those criteria may get the lowest rates and most likely will save quite a bit of money when switching.

Insureds who do not meet the “perfect” profile will be quoted higher rates which leads to business going elsewhere. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can advertise the savings. This really illustrates why it’s extremely important to get insurance coverage quotes as often as possible. It’s not possible to predict with any certainty which company will have the best car insurance rates at this point in time.

Car insurance policy specifics

Learning about specific coverages of car insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, fire damage, rock chips in glass and theft. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2019 GMC Sierra 1500.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – This coverage covers damage to your Sierra 1500 resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, colliding with a tree, backing into a parked car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as surgery, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services, court costs and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

A tidy conclusion

Some car insurance companies do not provide internet price quotes smaller providers only sell through independent insurance agents. Cheaper car insurance is attainable from both online companies as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

Drivers switch companies for any number of reasons including denial of a claim, delays in responding to claim requests, questionable increases in premium and even unfair underwriting practices. Regardless of your reason, choosing a new insurance company is actually quite simple.

You just read many tips how you can shop for 2019 GMC Sierra 1500 insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the best prices are with the smaller companies.

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