2014 GMC Sierra 2500HD Insurance Rates

Buyers have a choice when searching for low-cost GMC Sierra 2500HD insurance. You can either waste hours contacting agents trying to get quotes or use the internet to get rate quotes.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the quickest way to quote coverages for a GMC and find the cheapest rates from both online companies and local agents.

Discounts are basically free money

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Some trigger automatically at quote time, but a few must be manually applied before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
  • Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates when shopping for car insurance on SierraHD coverage.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will cut the amount you have to pay.

Car insurance companies that possibly offer these benefits include:

Check with every prospective company which discounts they offer. All car insurance discounts may not be available in your state.

Which insurance is the “right” coverage?

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

Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Can I afford low physical damage deductibles?
  • Do I need more liability coverage?
  • Am I covered if I wreck a rental car?
  • Am I covered when driving a rental car?
  • Should I rate my 2014 GMC Sierra 2500HD as pleasure use or commute?
  • Is my camper covered by my car insurance policy?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings by Progressive, GEICO, Allstate and State Farm. All the companies have a common claim about savings if you change to their company.

How can each company claim to save you money?

All companies have a certain “appetite” for the type of driver that makes them money. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and has excellent credit. A customer getting a price quote who fits that profile will get the preferred rates and most likely will save when switching.

Consumers who do not match the “perfect” profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that much. That is how insurance companies can advertise the savings.

That is why drivers should get quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest GMC Sierra 2500HD insurance rates.

Learn about insurance coverages for a 2014 GMC Sierra 2500HD

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, hitting a bird, falling objects and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like surgery, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like structural damage, emergency aid, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your GMC Sierra 2500HD.

Because many people 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 is very important. Usually these coverages are set the same as your liablity limits.

Shop Smart and Save

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper 2014 GMC Sierra 2500HD insurance is possible from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Drivers who switch companies do it for any number of reasons including policy cancellation, policy non-renewal, questionable increases in premium or even delays in responding to claim requests. No matter why you want to switch, finding a new insurance coverage company can be pretty painless.

Additional detailed information can be read in these articles: