GMC Sierra 1500HD Pickup Insurance for Tightwads
If we enjoyed shopping for car insurance, we'd do it more often. But the reality is, you probably don't enjoy it and you think it costs too much. You might feel the same pain when having to pay the bill on your GMC Sierra 1500HD Pickup.
Step One: Get Insurance Quotes
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. But you can now comparison shop and buy direct online!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a GMC Sierra 1500HD Pickup without even visiting their websites!
To find affordable coverage for your GMC Sierra 1500HD Pickup, the first step is to click the link below and complete the short form.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Sierra 1500HD Pickup.
Step Two: Insider Tips for Finding Cheaper Sierra 1500HD Pickup Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Sierra 1500HD Pickup insurance rates.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- If your GMC is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Particular years and models of cars tend to be frequently stolen, and if your Sierra 1500HD Pickup is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Choose the Right Company for You
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Sierra 1500HD Pickup with.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Before you drive your GMC Sierra 1500HD Pickup home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Comprehensive (or Other than Collision) and collision coverage will extend to your new Sierra 1500HD Pickup if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.