Buying affordable insurance for a GMC Sierra is dependent upon a lot of rating criteria such as how far you commute, your profession, and driving citations. California drivers will pay on average $1,796 annually to insure their Sierra, but that figure is a projection calculated using a 40-year-old single female driver with full physical damage coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 40 years old (or even female), maybe you are married instead of single, or maybe you want more liability coverage than is required by law in California. Having what appears to be a very minor change in the rating criteria used to formulate rates may result in significant differences in the cost of insurance.
Different coverage needs are the reason why the way we recommend to find cheap insurance rates for your GMC is to compare as many rates as possible.
The trim level of your vehicle impacts the cost of insurance, so the price you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $316 cheaper than the price to insure the more expensive Sierra Denali Crew Cab 4WD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SL Extended Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SLE Crew Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SL Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Regular Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Extended Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Crew Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Extended Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SL Crew Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Extended Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Crew Cab 4WD||$412||$882||$574||$34||$172||$2,074||$173|
|Sierra Denali Crew Cab 2WD||$412||$882||$574||$34||$172||$2,074||$173|
|Sierra Denali Crew Cab 4WD||$412||$882||$574||$34||$172||$2,074||$173|
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific zip code location which can raise or lower price quotes considerably.
Insuring your vehicle with a high-quality car insurance company can be difficult considering how many companies provide coverage in California. The ranking data displayed below could help you pick which coverage providers you want to consider purchasing from. The rankings below only include large insurance companies, so companies that may only write in California will not be included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Full coverage rates compared to liability-only
Paying a lower price for auto insurance should be important to the majority of vehicle owners, and one of the easiest ways to buy cheaper insurance for a GMC Sierra is to buy only liability coverage. The chart below compares insurance rates with and without full coverage. The costs are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Averaged for all age groups, full coverage on your policy costs an additional $2,656 per year over having just liability coverage. That is a significant amount which raises the question if you should buy full coverage. There is no definitive rule of when to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s claim settlement value is $5,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,500 after paying the physical damage deductible. If you are paying in excess of $450 annually to have full coverage, then it might be time to consider dropping full coverage.
Why you should be comparing rates
Fresno auto insurance rates are calculated based on many things that control the cost of your policy. Simply turning a year older, marrying your spouse, or getting a couple of tickets can trigger rate changes that may make certain companies cheaper than competitors. Additionally, insurance companies modify pricing without warning in order to offset underwriting gains or losses. Higher than normal claims can result in increased policy costs, while lower claim levels can result in cheaper Sierra insurance rates.
To illustrate this example, the chart below shows rates for the cheapest car insurance in Fresno, CA for a 40-year-old male driver with no violations or accidents, and a good credit rating. When comparing rates based on his personal profile, USAA has the lowest car insurance rates in Fresno at $1,277 a year. This is $374 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are the remainder of the cheapest Fresno, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first example an accident surcharge, bad credit, and a traffic citation. Due to the fact that every insurance company uses their own formula to determine rates, comparing insurance quotes may now show a slightly different list of affordable companies as shown below.
Grange now has the cheapest rate in Fresno, CA with Allstate, Mercury, Progressive, and GEICO now rounding out the top five. This example demonstrates why it is important to compare many different companies to find cheap auto insurance rates for a GMC Sierra.
Insurance rates are determined by many factors and change substantially, so the lowest-price company the last time you compared rates may now be one of the more expensive options.
How to find budget-friendly insurance for a GMC Sierra
It is possible to find better rates, and here are many penny-pinching solutions that can help California drivers get more affordable auto insurance.
- Bundle home and auto and save
- Frequent claims will increase rates
- Buy vehicles with good safety ratings
- Avoid speeding and other traffic citations and pay less
- Don’t waste money on full coverage for older vehicles
- Prevent price hikes by avoiding at-fault accidents
- Shop your coverage around for the best deal
The last idea is especially significant, as was stressed in this write-up. Prices charged by car insurance companies can change significantly in a year, so don’t be hesitant to switch to a new company if a more affordable price is available.
Having a favorite company is fine, but we do not recommend it if it’s costing you money that could be going to better use. If you have a few minutes, compare rates and find cheaper car insurance for a GMC Sierra in Fresno.
If you have coverage questions and would like to have professional advice when buying car insurance for a GMC Sierra, the professional agents shown below can most likely provide answers to your questions and help you determine which car insurance company is the best fit.
To locate a Fresno insurance agent by location nearest to you, click the link at the bottom or click here to get price quotes now.
- DiBuduo and DeFendis Insurance Brokers LLC
6873 N West Ave – Fresno, CA 93711 – (559) 432-0222
- Nationwide Insurance: Maffei Ins and Fin Services
5633 W Figarden Dr Ste 104 – Fresno, CA 93722 – (559) 322-3355
- Pan American Insurance Agency
7673 N Ingram Ave # 103 – Fresno, CA 93711 – (800) 303-8272
- New Horizon Insurance Services
325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525