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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: Apr 16, 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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Looking for lower auto insurance rates for your GMC Sierra 3500HD? Frustrated by the dozens of auto insurance companies available to you? You have such a vast assortment of companies available that it can quickly become a difficult situation to find lower premium rates.

Buying car insurance is quite easy. In a nutshell, every vehicle owner who buys insurance most likely will be able to find better rates. Although vehicle owners benefit from understanding how companies price insurance differently.

Insurance coverage policy discounts

Some insurers don’t necessarily list their entire list of discounts in a way that’s easy to find, so the following is a list of a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Paperless Signup – Certain insurance coverage companies provide a small discount for buying your policy on their website.
  • Distant Student Discount – Children who attend college more than 100 miles from home and do not have a car could get you a discount.
  • Discount for Low Mileage – Low annual miles can qualify you for substantially lower rates.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
  • Safety Restraint Discount – Drivers who require all occupants to wear their seat belts can save up to 15% off the personal injury premium cost.

One thing to note about discounts is that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, it’s just not the way it works.

Popular insurance coverage companies and a partial list of their discounts are:

  • State Farm has discounts for Drive Safe & Save, driver’s education, multiple autos, Steer Clear safe driver discount, and safe vehicle.
  • GEICO may include discounts for military active duty, good student, anti-theft, federal employee, anti-lock brakes, and seat belt use.
  • Liberty Mutual offers discounts for multi-policy, multi-car, new graduate, newly married, preferred payment discount, safety features, and newly retired.
  • The Hartford has savings for driver training, defensive driver, good student, vehicle fuel type, air bag, and bundle.
  • MetLife discounts include claim-free, accident-free, good student, good driver, multi-policy, defensive driver
  • Progressive policyholders can earn discounts including homeowner, continuous coverage, multi-policy, online signing, online quote discount, and good student.

When getting free insurance quotes, it’s a good idea to each company or agent to give you their best rates. Savings may not apply to policyholders in your area. To find companies with significant discounts, enter your zip code here.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Why does it cost so much to insure a teen driver?
  • Does medical payments coverage apply to all occupants?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How can I force my company to pay a claim?
  • Is business property covered if stolen from my car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

Save 15 percent in 15 minutes? Is it for real?

Big name companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies advertise claims that people will save after switching your policy. Is it even possible that every company can make almost identical claims? It’s all in the numbers.

All companies have an ideal profile for the driver that will be a good risk. For instance, a desirable risk might be described as between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and will probably cut their rates substantially.

Drivers who fall short of this ideal profile must pay higher rates which usually ends up with the customer not purchasing. Company advertisements say “customers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can make claims like that. Because of this risk profiling, you absolutely need to do a price quote comparison at every renewal. It’s just not possible to know with any certainty which company will have the best rates for your profile.

The coverage is in the details

Knowing the specifics of auto insurance can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle, vandalism and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, crashing into a building, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability

This will cover damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as repair costs for stationary objects, bail bonds, loss of income, court costs and attorney fees. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your GMC Sierra 3500HD.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as ambulance fees, rehabilitation expenses and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

More comparisons equals lower rates

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the lowest possible cost while still protecting your assets.

You just learned many ideas to reduce 2024 GMC Sierra 3500HD insurance rates online. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the most savings is with some of the lesser-known companies.

People change insurance companies for a variety of reasons including policy non-renewal, delays in responding to claim requests, unfair underwriting practices and denial of a claim. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

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