How to Compare Corpus Christi GMC Sierra Insurance

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Insurance rates GMC Sierra in Corpus ChristiIt takes a little time, but the best way to get affordable GMC Sierra insurance is to make a habit of regularly comparing prices from insurance carriers in Corpus Christi. You can shop around by following these guidelines.

  1. Read and learn about what coverages are included in your policy and the measures you can take to prevent expensive coverage. Many policy risk factors that increase rates such as accidents, careless driving, and poor credit history can be improved by making minor changes in your lifestyle.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
  3. Compare the new quotes to your existing rates to determine if you can save on Sierra insurance. If you can save money and switch companies, ensure coverage does not lapse between policies.

One bit of advice is to try to compare similar limits and deductibles on every quote and and to look at as many carriers as you can. Doing this guarantees an accurate price comparison and and a good selection of different prices.

Statistics show that most Texas car insurance customers have remained with the same car insurance company for more than four years, and just under half have never even shopped around for cheaper coverage. Many drivers in America could save as much as 47% every year just by getting comparison quotes, but most undervalue the amount of savings they would get if they switched to a more affordable policy.

The companies shown below offer free rate quotes in Texas. To get cheaper car insurance in Corpus Christi, we suggest you click on several of them to find the lowest auto insurance rates.

Choosing the best GMC vehicle insurance in Texas is an important decision

Even though Corpus Christi Sierra insurance rates can get expensive, buying auto insurance serves a purpose in several ways.

  • Just about all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability if you drive a vehicle. 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 your GMC has a loan, almost every bank will require you to buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your GMC for a lot more money and make you pay a much higher amount than you were paying before.
  • Insurance safeguards both your car and your personal assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your Sierra are definitely more than the cost, particularly if you ever have a claim. The average driver in Texas overpays as much as $820 a year so smart consumers compare quotes once a year at a minimum to be sure current rates are still competitive.

Premium rates and analysis

The information shown below covers different insurance costs for GMC Sierra models. Learning more about how insurance policy premiums are figured can help you make decisions on which coverage to buy.

GMC Sierra Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $174 $352 $496 $30 $148 $1,200 $100
Sierra SL Extended Cab 2WD $174 $352 $496 $30 $148 $1,200 $100
Sierra SLE Crew Cab 2WD $174 $352 $496 $30 $148 $1,200 $100
Sierra SL Crew Cab 2WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SLE Crew Cab 2WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SLE Regular Cab 4WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SLE Extended Cab 4WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SLE Crew Cab 4WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SLT Extended Cab 2WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SL Crew Cab 4WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SLT Extended Cab 4WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SLT Crew Cab 2WD $198 $416 $496 $30 $148 $1,288 $107
Sierra SLT Crew Cab 4WD $220 $478 $496 $30 $148 $1,372 $114
Sierra Denali Crew Cab 2WD $220 $478 $496 $30 $148 $1,372 $114
Sierra Denali Crew Cab 4WD $220 $478 $496 $30 $148 $1,372 $114
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in your specific Corpus Christi location which can decrease or increase premium rates considerably.

Higher deductibles lower rates

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The comparison tables below approximate the rate fluctuation when you choose different physical damage coverage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

GMC Sierra insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $294 $496 $382 $22 $114 $1,333 $111
Sierra SL Extended Cab 2WD $294 $496 $382 $22 $114 $1,333 $111
Sierra SLE Crew Cab 2WD $294 $496 $382 $22 $114 $1,333 $111
Sierra SL Crew Cab 2WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLE Crew Cab 2WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLE Regular Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLE Extended Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLE Crew Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLT Extended Cab 2WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SL Crew Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLT Extended Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLT Crew Cab 2WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLT Crew Cab 4WD $370 $672 $382 $22 $114 $1,585 $132
Sierra Denali Crew Cab 2WD $370 $672 $382 $22 $114 $1,585 $132
Sierra Denali Crew Cab 4WD $370 $672 $382 $22 $114 $1,585 $132
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GMC Sierra insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $182 $312 $382 $22 $114 $1,012 $84
Sierra SL Extended Cab 2WD $182 $312 $382 $22 $114 $1,012 $84
Sierra SLE Crew Cab 2WD $182 $312 $382 $22 $114 $1,012 $84
Sierra SL Crew Cab 2WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLE Crew Cab 2WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLE Regular Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLE Extended Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLE Crew Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLT Extended Cab 2WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SL Crew Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLT Extended Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLT Crew Cab 2WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLT Crew Cab 4WD $228 $424 $382 $22 $114 $1,170 $98
Sierra Denali Crew Cab 2WD $228 $424 $382 $22 $114 $1,170 $98
Sierra Denali Crew Cab 4WD $228 $424 $382 $22 $114 $1,170 $98
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in specific garaging location which can alter prices considerably.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $31 more each month or $372 each year averaged for all Sierra models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 24 months between claims, you would probably save some money if you elect the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $91
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

Difference between full coverage and liability only rates

The diagram below illustrates the comparison of GMC Sierra yearly insurance costs with full coverage and liability only. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no written rule for phasing out full coverage on your policy, but there is a general convention. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your GMC Sierra replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying your policy deductible. If you are paying more than $200 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Don't overlook these GMC Sierra insurance discounts

Companies do not list every possible discount very well, so we took the time to find both well-publicized as well as the least known ways to save on insurance.Cheaper insurance with discounts

  • Seat Belt Discounts - Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the PIP or medical payment premium.
  • Multi-car Discount - Buying a policy with multiple cars on the same insurance policy can get a discount for every vehicle.
  • New Car Discount - Putting insurance coverage on a new Sierra can get you a discount since new model year vehicles have better safety ratings.
  • Homeowners Savings - Owning a home in Corpus Christi can help you save on insurance because of the fact that having a home requires personal responsibility.
  • Drive Safe and Save - Drivers without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
  • Passive Restraint Discount - Vehicles with factory air bags may get savings of 20 to 30 percent.
  • Defensive Driver - Completing a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
  • Discounts for Government Workers - Active or former government employment may reduce rates when you quote Corpus Christi car insurance with certain companies.
  • Discount for Multiple Policies - If you combine your homeowners and auto policies with one company you could save nearly 15% which can help you find cheap Sierra insurance.
  • Drive Less and Save - Low mileage vehicles can qualify you for better rates on cars that stay parked.

Don't be surprised that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you're out of luck.

The diagram below visualizes the comparison of GMC Sierra insurance costs with and without some available policy discounts. The data is based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, claim-free, safe-driver, and multi-policy discounts applied.

To view insurance companies with the best discounts in Texas, follow this link.

Compare prices but buy from a local neighborhood Corpus Christi car insurance agent

Some people would prefer to talk to an insurance agent and that is recommended in a lot of cases Agents can answer important questions and give you someone to call. One of the great benefits of getting free rate quotes online is the fact that drivers can get the lowest rates and still have an agent to talk to.

Insurance agency in Corpus ChristiTo find an agent, once you fill out this simple form, your insurance coverage information is sent to participating agents in Corpus Christi who will give you bids for your business. You won't need to drive around because quoted prices will be sent directly to your email. If for some reason you want to compare rates from a specific insurance company, just find their quoting web page to submit a rate quote request.

Finding a good company needs to be determined by more than just a cheap quote. Before buying a policy in Corpus Christi, get answers to these questions.

  • Which insurance companies are they affiliated with?
  • Will high miles depreciate repair valuations?
  • Do they regularly work with personal auto policies in Corpus Christi?
  • Do they have 24-hour customer assistance?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Do they write coverage based solely on cost?

Do you need an independent or exclusive auto insurance agent?

If you would like to find an insurance agent, you should know the different agency structures that differ in how they can insure your vehicles. Agencies in Corpus Christi can be categorized as either independent or exclusive depending on the company they work for. Either one can sell car insurance policies, but it's worth mentioning the differences because it can impact your agent selection.

Exclusive Insurance Agents

Agents of this type can only place business with one company such as Allstate, AAA, Farmers Insurance, and State Farm. They are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are well schooled on sales techniques which aids in selling service over price. Some insured continue to purchase coverage from exclusives mostly because of the prominent brand name rather than low rates.

The following is a short list of exclusive agents in Corpus Christi who can help you get price quote information.

View more Corpus Christi agents

Independent Car Insurance Agents

These agents are not restricted to one company and that allows them to write policies with many different companies and find you the best rates. To move your coverage to a new company, your agent can just switch to a different company and the insured can keep the same agent. If you are comparing rate quotes, you need to get insurance quotes from several independent agencies in order to compare the most rates. Many independent agencies also insure through smaller mutual companies which may provide better rates.

Shown below are independent insurance agencies in Corpus Christi willing to provide price quote information.

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Insurance is unique, just like you

When buying coverage online or from an agent, there really is no one-size-fits-all type of policy. Your needs are unique to you and your policy should reflect that.Insurance savings Here are some questions about coverages that can aid in determining if you would benefit from an agent's advice.

  • Is there coverage for injuries to my pets?
  • Should I buy more coverage than the required Texas minimum liability coverage?
  • When do I need to add a new car to my policy?
  • Is business equipment covered while in my vehicle?
  • Should I waive the damage coverage when renting a car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my teenager covered with friends in the car?
  • Who sells insurance for high-risk drivers?
  • Can I get by with minimal medical coverage if I have good health insurance?

If you're not sure about those questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Texas car insurance companies ranked

Selecting the top insurance provider is difficult considering how many choices you have in Corpus Christi. The company ratings listed below can help you pick which car insurance providers to look at buying from.

Best Car Insurance Companies in Corpus Christi
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Final considerations

A few companies may not have rate quotes online and most of the time these regional carriers provide coverage only through independent agents. Low-cost GMC Sierra insurance in Corpus Christi can be sourced online and also from your neighborhood Corpus Christi agents, and you need to comparison shop both to have the best chance of lowering rates.

In this article, we presented quite a bit of information on how to save on GMC Sierra insurance in Corpus Christi. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best prices are with a small mutual company. These companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the best cost, but do not skimp to save money.

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