Compare 2020 GMC Sierra 1500 Car Insurance Quotes in 2024

Finding the cheapest auto insurance online might appear impossible for drivers who are beginners to quoting and shopping for insurance on the internet. When there are so many insurers available, how can anyone have the ability to compare the different rates to find cheaper auto insurance rates?

It’s a good idea to compare premium rates yearly because auto insurance prices are constantly changing. Just because you found the best deal on Sierra insurance last year you can probably find a better rate quote now. You’ll find quite a bit of inaccurate information about auto insurance online, but by reading this article, you’re going to learn some proven techniques to lower your auto insurance bill.

The method we recommend to compare policy rates is to take advantage of the fact most of the larger companies allow for online access to provide you with free rate quotes. The one thing you need to do is give them some information including your occupation, if you have a valid license, if a SR-22 is needed, and daily mileage. That information is instantly provided to multiple companies and you receive quotes instantly to find the best rate.

To compare rates now, click here and see if a lower rate is available.

Don’t miss these premium-slashing discounts

Buying car insurance is not cheap, but you may qualify for discounts that could help you make your next renewal payment. A few discounts will automatically apply when you get a quote, but some may not be applied and must be asked for prior to receiving the credit. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
• Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates on Sierra insurance.
• Employee of Federal Government – Active or former government employment could cut as much as 10% off on Sierra insurance with some car insurance companies.
• Renewal Discounts – Some insurance companies reward drivers for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
• Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
• Data Collection Discounts – Insureds that choose to allow data collection to monitor driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.

A quick disclaimer, most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free car insurance policy, companies don’t profit that way.

If you would like to choose from a list of insurers that have a full spectrum of discounts, enter your zip code here.

What impacts GMC Sierra 1500 insurance prices?

Smart consumers have a good feel for the factors that play a part in calculating your insurance coverage rates. When consumers understand what determines base rates, this allows you to make good choices that could help you find lower rates.

• Alarm systems lowers premiums – Selecting a car model with advanced anti-theft systems can save you some money. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your vehicle from being stolen.
• The higher your credit history the lower your prices – Having a good credit history is a large factor in determining what you pay. So if your credit history is lower than you’d like, you could save money insuring your 2020 GMC Sierra 1500 by taking the time to improve your credit score. People that have very good credit scores tend to be more responsible than those with lower credit ratings.
• Incidental coverages are wasting money – There are a ton of additional coverages that sound like a good idea at the time when buying insurance coverage. Coverage for things like rental car coverage, accident forgiveness, and membership fees may be costing you every month. The coverages may be enticing when discussing your needs, but your needs may have changed so get rid of them and save.
• Prices may be higher where you live – Living in a small town is a good thing when insuring your vehicles. Lower population means reduced accidents and lower theft and vandalism rates. Residents of big cities have to deal with more road rage incidents and more time behind the wheel. Higher commute times translates into higher accident risk.
• What are good liability coverage limits? – The liability section of your policy will afford coverage in the event that you are found liable for causing personal injury or damage in an accident. This coverage provides you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
• Premiums drop with age – Teenage drivers are proven to be more careless when driving therefore insurance coverage rates are much higher. Older, more experienced drivers are more responsible, statistically cause fewer accidents and get fewer tickets.
• Do males or females drive better? – The statistics show that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. They both tend to get into auto accidents at about the same rate, but guys have costlier accidents. Men also tend to receive more major tickets like driving under the influence (DUI). Teenage male drivers cause the most accidents and are penalized with high insurance coverage rates.
• Single drivers take more risk – Having a wife or husband may save some money compared to being single. Marriage is viewed as being more mature and it’s proven that being married results in fewer claims.

Do I need special coverages?

When choosing adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

• Do I have coverage when making deliveries for my home business?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I have coverage if my license is suspended?
• Will filing a claim cost me more?
• Should I carry comprehensive and collision coverage?
• Does coverage extend to Mexico or Canada?
• How much liability do I need to cover my assets?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Insurance coverage specifics

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like doctor visits, hospital visits, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover 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 can be used in place of medical payments coverage

Collision protection

Collision coverage will pay to fix damage to your Sierra 1500 caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability coverage

Liability coverage can cover damages or injuries you inflict on people or other property. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like bail bonds, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2020 GMC Sierra 1500.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Shop Smart and Save

When shopping online for insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

We just presented some good ideas how you can reduce 2020 GMC Sierra 1500 insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the best prices are with some of the lesser-known companies.

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, poor customer service and policy cancellation. Regardless of your reason, choosing a new company is not as difficult as it may seem.