How to Save on GMC Sierra 3500HD Insurance in Corpus Christi

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Insurance rates GMC Sierra 3500HD in Corpus ChristiIt's an obvious conclusion that car insurance companies don't want you to look at other companies. Drivers who shop around for cheaper price quotes will presumably buy a different policy because there is a good chance of finding more affordable rates. A recent survey discovered that consumers who routinely compared rates saved $72 a month as compared to drivers who never shopped for cheaper rates.

If finding the most affordable insurance in Corpus Christi is the reason you're reading this, then having a grasp of the best way to quote and compare coverages can help simplify the process.

To save the most money, the best way to find cheaper prices for car insurance rates in Corpus Christi is to start comparing rates regularly from companies who provide auto insurance in Texas.

  • First, take a few minutes and learn about coverages and the changes you can make to prevent expensive coverage. Many rating criteria that result in higher prices like accidents, careless driving, and poor credit can be controlled by making lifestyle changes or driving safer. This article gives more details to prevent rate hikes and get additional discounts that may be available.
  • Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO or Allstate, while independent agents can give you price quotes from multiple companies.
  • Third, compare the quotes to the price on your current policy to determine if you can save on Sierra 3500HD insurance in Corpus Christi. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good tip to remember is to try to compare similar deductibles and liability limits on each price quote and and to get price quotes from as many different companies as possible. This guarantees a fair price comparison and plenty of rates choose from.

Just keep in mind that comparing more prices provides better odds of finding a lower rate than you're paying now. Not every company allows you to get online price quotes, so it's recommended that you also compare quotes from them, too.

The companies shown below are ready to provide free rate quotes in Corpus Christi, TX. To locate the cheapest auto insurance in Corpus Christi, TX, we suggest you visit two to three different companies to get the lowest price.

Coverage analysis

The premium table displayed next showcases detailed analysis of insurance policy prices for GMC Sierra 3500HD models. Understanding more about how rate quotes are calculated can help drivers make smart policy decisions.

GMC Sierra 3500HD Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $376 $642 $392 $24 $118 $1,552 $129
Sierra 3500HD SLE Regular Cab 4WD $376 $738 $490 $30 $146 $1,780 $148
Sierra 3500HD SLE Crew Cab 2WD $376 $642 $392 $24 $118 $1,552 $129
Sierra 3500HD SLE Extended Cab 2WD $376 $642 $392 $24 $118 $1,552 $129
Sierra 3500HD SLE Extended Cab 4WD $376 $738 $490 $30 $146 $1,780 $148
Sierra 3500HD SLE Crew Cab 4WD $376 $738 $490 $30 $146 $1,780 $148
Sierra 3500HD SLT Extended Cab 2WD $376 $642 $392 $24 $118 $1,552 $129
Sierra 3500HD SLT Crew Cab 4WD $376 $738 $490 $30 $146 $1,780 $148
Sierra 3500HD SLT Extended Cab 4WD $376 $738 $490 $30 $146 $1,780 $148
Sierra 3500HD SLT Crew Cab 2WD $414 $738 $392 $24 $118 $1,686 $141
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in specific Corpus Christi garaging location which can raise or lower auto insurance rates substantially.

Analysis of deductible levels

One of the most common car insurance questions is how high should the deductibles for physical damage be. The premium rates below may aid in understanding the cost difference when you buy lower versus higher coverage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

GMC Sierra 3500HD insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $412 $698 $382 $22 $114 $1,653 $138
Sierra 3500HD SLE Regular Cab 4WD $412 $804 $476 $28 $142 $1,887 $157
Sierra 3500HD SLE Crew Cab 2WD $412 $698 $382 $22 $114 $1,653 $138
Sierra 3500HD SLE Extended Cab 2WD $412 $698 $382 $22 $114 $1,653 $138
Sierra 3500HD SLE Extended Cab 4WD $412 $804 $476 $28 $142 $1,887 $157
Sierra 3500HD SLE Crew Cab 4WD $412 $804 $476 $28 $142 $1,887 $157
Sierra 3500HD SLT Extended Cab 2WD $412 $698 $382 $22 $114 $1,653 $138
Sierra 3500HD SLT Crew Cab 4WD $412 $804 $476 $28 $142 $1,887 $157
Sierra 3500HD SLT Extended Cab 4WD $412 $804 $476 $28 $142 $1,887 $157
Sierra 3500HD SLT Crew Cab 2WD $454 $804 $382 $22 $114 $1,801 $150
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GMC Sierra 3500HD insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $300 $472 $382 $22 $114 $1,290 $108
Sierra 3500HD SLE Regular Cab 4WD $300 $542 $476 $28 $142 $1,488 $124
Sierra 3500HD SLE Crew Cab 2WD $300 $472 $382 $22 $114 $1,290 $108
Sierra 3500HD SLE Extended Cab 2WD $300 $472 $382 $22 $114 $1,290 $108
Sierra 3500HD SLE Extended Cab 4WD $300 $542 $476 $28 $142 $1,488 $124
Sierra 3500HD SLE Crew Cab 4WD $300 $542 $476 $28 $142 $1,488 $124
Sierra 3500HD SLT Extended Cab 2WD $300 $472 $382 $22 $114 $1,290 $108
Sierra 3500HD SLT Crew Cab 4WD $300 $542 $476 $28 $142 $1,488 $124
Sierra 3500HD SLT Extended Cab 4WD $300 $542 $476 $28 $142 $1,488 $124
Sierra 3500HD SLT Crew Cab 2WD $332 $542 $382 $22 $114 $1,392 $116
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can alter insurance rates significantly.

Based on these figures, using a $100 deductible costs approximately $32 more each month or $384 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 13 months between claim filings, you would save more money if you choose the higher deductible.

Bad driving habits will cost you more

The example below demonstrates how citations and accident claims can affect GMC Sierra 3500HD insurance costs for different insured age categories. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Car insurance prices based on gender

The example below shows the comparison of GMC Sierra 3500HD annual premium costs for male and female drivers. Data assumes no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied to the premium.

Rate difference between full and liability-only coverage

The chart below visualizes the comparison of GMC Sierra 3500HD auto insurance rates with full coverage compared to only the Texas minimum liability coverage. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no other discounts are factored in.

When to stop buying full coverage

There is no set guideline to delete full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your GMC Sierra 3500HD replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after you pay the deductible. If it's costing you more than $200 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.

Why Informed Consumers Pay Less for GMC Sierra 3500HD Insurance

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that aid in calculating car insurance rates. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you better car insurance rates. Multiple criteria are part of the calculation when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are not quite as obvious like where you live or how safe your car is.

Shown below are some of the most rate-impacting factors car insurance companies consider when setting premiums.

Vehicle theft costs us all - Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.

Car insurance policy lapses increase rates - Not maintaining insurance is a misdemeanor and any future policy may cost more because you let your coverage lapse. Not only will you pay higher rates, getting caught without coverage might get you fines and jail time.

Certain vocations raise rates - Did you know your career choice can influence rates? Careers like judges, business owners, and emergency personnel tend to pay higher average rates due to stressful work requirements and lengthy work days. On the flip side, occupations like scientists, engineers and homemakers generally pay rates lower than average.

Low credit rating equals high prices - A driver's credit score is a large factor in determining what you pay. Therefore, if your credit score is low, you could pay less to insure your GMC Sierra 3500HD if you improve your credit rating. Insureds that have very high credit ratings tend to file fewer claims than drivers with lower credit ratings.

It may be expensive, but it's not optional

Even though it can be expensive, insurance is required in Texas but it also protects you in many ways.

  • Almost all states have minimum liability requirements which means the state requires a specific minimum amount of liability insurance in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your GMC Sierra 3500HD, it's most likely the lender will make it a condition of the loan that you carry insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may insure your GMC for a much higher rate and force you to reimburse them for it.
  • Insurance protects both your assets and your car. It will also provide coverage for medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $750 every year so compare quotes from several companies at every renewal to ensure rates are competitive.