Buying cheap car insurance for a GMC Sierra is pretty simple for most people to do, but it hinges on an enormous amount of rating factors such as whether you are a homeower, your address, and any prior driving offenses you have. Drivers will pay on average $1,368 annually to insure their Sierra, but that figure is calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
It’s more than likely you may not be 30 years old (or even male), maybe you are married instead of single, and you might want liability-only or different deductibles. This illustrates why the only real way to find the cheapest insurance price for your GMC is to just compare rates yourself. It takes less than five minutes and you can get prices from some of the most affordable companies that insure vehicles in Texas.
The trim level of your vehicle tends to impact the cost of insurance, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD trim level will cost $214 less than the insurance cost for the more well-appointed Sierra Denali Crew Cab 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$272||$400||$500||$30||$150||$1,352||$113|
|Sierra SL Extended Cab 2WD||$272||$400||$500||$30||$150||$1,352||$113|
|Sierra SLE Crew Cab 2WD||$272||$400||$500||$30||$150||$1,352||$113|
|Sierra SL Crew Cab 2WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SLE Crew Cab 2WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SLE Regular Cab 4WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SLE Extended Cab 4WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SLE Crew Cab 4WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SLT Extended Cab 2WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SL Crew Cab 4WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SLT Extended Cab 4WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SLT Crew Cab 2WD||$308||$472||$500||$30||$150||$1,460||$122|
|Sierra SLT Crew Cab 4WD||$344||$542||$500||$30||$150||$1,566||$131|
|Sierra Denali Crew Cab 2WD||$344||$542||$500||$30||$150||$1,566||$131|
|Sierra Denali Crew Cab 4WD||$344||$542||$500||$30||$150||$1,566||$131|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in zip code location which can modify prices considerably.
Deciding which companies offer the cheapest auto insurance rates for a GMC Sierra will require more work than just getting one or two price quotes.
Each insurer used slightly different criteria to set premium rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Corpus Christi.
Find the Best Cheap Insurance for Your Truck
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers has some of the lowest car insurance rates in Corpus Christi at around $1,041 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheapest Corpus Christi, TX car insurance companies.
In the above rates, if you are a policyholder with USAA and switched to Travelers, you could see yearly savings of roughly $43. Insureds with Texas Farm Bureau may save as much as $170 a year, and Germania Mutual insureds might realize rate reductions of up to $215 a year.
To compare your rates to other Texas insurance companies, click here to get quotes or visit any of the low-priced companies below.
Remember that these policy rates are averaged across all ages of drivers and types of vehicles and are not factoring in an exact location for a GMC Sierra. So the car insurance company that fits you best may not even be in the top 23 companies in the list above. That affirms the importance of why you need to get rate quotes using your own driver information and specific vehicle type.
Insurance rate increases from tickets or accidents
In a perfect world, the best way to obtain affordable auto insurance prices for a Sierra pickup is to pay attention while driving and not receive tickets or have accidents. The example below illustrates how traffic citations and accidents impact insurance rates for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,764. Get two speeding tickets and the average cost swells to $2,508, an increase of $744 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a GMC Sierra jumps again to an average of $5,299. That’s an increase of $3,535, or $295 per month, just for not being more responsible behind the wheel!
Does full coverage make sense?
Buying cheaper auto insurance is the goal of most people, and one of the easiest ways to pay lower rates for insurance for a GMC Sierra is to only buy liability coverage. The diagram below illustrates the comparison of auto insurance rates when comparing full coverage to liability only. The rate quotes are based on no violations or accidents, $250 deductibles, drivers are single, and no other discounts are factored in.
If averaged out across all ages, physical damage coverage on your policy costs an extra $2,581 per year more than just buying liability insurance. Many drivers may wonder if buying full coverage is worth the expense. There is no exact rule for excluding physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your vehicle’s claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $2,000 after paying the physical damage deductible. If you are paying more than $200 annually for physical damage coverage, then you might consider buying liability only.
How to find cheaper car insurance for a GMC Sierra
The list below details some thrifty solutions that can help drivers find lower-cost coverage.
- Save money by insuring your home and auto with the same company
- Do not get traffic violations
- Don’t have frequent claims
- Avoid accidents and claims
- Drive a car with a high safety rating
- Save money by insuring older vehicles for liability only
- Compare quotes from other companies often
The last suggestion is remarkably critical, as we hit on in this article. Car insurance prices in Corpus Christi can be changed at any time, so don’t be tentative to change to a new company if you can save money.
Many drivers prefer to stick with one company, but is isn’t recommended if that faithfulness ends up costing you a considerable chunk of change every month. If you have a few minutes, shop around and find cheaper auto insurance for a GMC Sierra.