Are you irritated from not being able to scrape enough together to pay high car insurance rates every month? Your situation is no different than many other people in Indiana.
A recent survey discovered that almost 70% of drivers kept their coverage with the same car insurance company for more than four years, and almost half have never even compared rates from other companies. Many consumers in Evansville could cut their rates by up to 55% a year just by getting comparison quotes, but they assume it's a waste of time to compare rate quotes online.
Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate on GMC Sierra insurance in Evansville.
It's a good idea to quote other rates quite often because prices tend to go up over time. Despite the fact that you may have had the lowest price on GMC Sierra insurance in Evansville a few years ago other companies may now be cheaper. Block out anything you think you know about car insurance because you're going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.
Cheapest companies for GMC Sierra insurance in Indiana
The providers in the list below are ready to provide quotes in Indiana. If several companies are displayed, we suggest you visit as many as you can to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$148||$282||$380||$22||$114||$946||$79|
|Sierra SL Extended Cab 2WD||$216||$366||$280||$16||$84||$962||$80|
|Sierra SLE Crew Cab 2WD||$232||$494||$364||$22||$110||$1,222||$102|
|Sierra SL Crew Cab 2WD||$172||$270||$368||$22||$110||$942||$79|
|Sierra SLE Crew Cab 2WD||$210||$426||$264||$16||$80||$996||$83|
|Sierra SLE Regular Cab 4WD||$262||$580||$364||$22||$110||$1,338||$112|
|Sierra SLE Extended Cab 4WD||$234||$530||$318||$18||$94||$1,194||$100|
|Sierra SLE Crew Cab 4WD||$138||$250||$290||$18||$86||$782||$65|
|Sierra SLT Extended Cab 2WD||$236||$486||$364||$22||$110||$1,218||$102|
|Sierra SL Crew Cab 4WD||$272||$514||$280||$16||$84||$1,166||$97|
|Sierra SLT Extended Cab 4WD||$210||$422||$318||$18||$94||$1,062||$89|
|Sierra SLT Crew Cab 2WD||$210||$426||$264||$16||$80||$996||$83|
|Sierra SLT Crew Cab 4WD||$170||$332||$264||$16||$80||$862||$72|
|Sierra Denali Crew Cab 2WD||$276||$544||$290||$18||$86||$1,214||$101|
|Sierra Denali Crew Cab 4WD||$190||$392||$318||$18||$94||$1,012||$84|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can affect coverage prices significantly.
The chart below shows how different deductible levels and can affect GMC Sierra insurance costs for different ages of insureds. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
How Insurance Providers Determine GMC Sierra Insurance Costs
A large part of saving on auto insurance is knowing a few of the rating criteria that help determine the rates you pay for auto insurance. If you have some idea of what determines base rates, this helps enable you to make changes that can help you get cheaper rates.
Policy add-ons may not be needed - There are a lot of extra add-on coverages that can waste your money but may not be useful. Things like rental car reimbursement, towing coverage, and motor club memberships may be costing you every month. These coverages may sound good initially, but if you've never needed them in the past think about removing them and cutting costs.
Driver age impacts premiums - More experienced drivers have been proven to be more responsible, tend to file fewer claims, and get fewer tickets.Teenage drivers have a tendency to be easily distracted in a vehicle so auto insurance rates are higher.
Decrease auto insurance rates by maintaining coverage - Not having insurance is not a good idea and auto insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance may result in a steep fine or even jail time.
Rate your vehicle for proper use - Driving a lot of miles in a year the more it will cost to insure it. A lot of insurance companies charge rates based upon how much you drive. Autos that have low annual miles qualify for better rates than vehicles that have high annual mileage. Having the wrong rating on your Sierra can cost quite a bit. It's always a good idea to double check that your vehicle rating states the proper vehicle usage, because it can save money.
Raise your deductibles for better costs - Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your GMC. A few examples of covered claims are a dented fender, flood damage, and rolling your vehicle. The deductibles you choose are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the better rate you will receive.
Consolidating policies can get discounts - Many auto insurance companies will give better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you qualify for this discount already, it's still a good idea to shop around to make sure you are getting the best deal.
Insurance loss probability for a GMC Sierra - Insurers use claims history to help calculate a profitable premium rate. Models that have higher number or severity of losses will have a higher cost to insure.
The table below illustrates the collected loss data for GMC Sierra vehicles. For each insurance policy coverage type, the loss probablilty for all vehicles, regardless of manufacturer or model, is set at 100. Percentage numbers below 100 imply a favorable loss record, while values over 100 indicate more frequent claims or tendancy to have higher losses.
Insurance Loss Ratings for GMC Sierra Vehicles
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|GMC Sierra 1500 2WD||89||122||106|
|GMC Sierra 1500 4WD||97||86||79|
|GMC Sierra 1500 Crew Cab 2WD||87||99||132||69||69||89|
|GMC Sierra 1500 Crew Cab 4WD||89||102||114||52||51||73|
|GMC Sierra 1500 Ext Cab 2WD||98||109||96||70|
|GMC Sierra 1500 Ext Cab 4WD||78||85||89||65||56||94|
|GMC Sierra 2500 4WD||70||56|
|GMC Sierra 2500 Crew Cab 2WD||63||101|
|GMC Sierra 2500 Crew Cab 4WD||91||118||105||43||50||90|
|GMC Sierra 2500 Ext Cab 4WD||67||108||85||40|
|GMC Sierra 3500 Crew Cab 4WD||85||128||121||35|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Save a ton by receiving discounts
Car insurance is expensive, but there's a good chance there are discounts to help bring down the price. Most are applied when you get a quote, but some may not be applied and must be inquired about in order for you to get them.
- No Accidents - Drivers who don't have accidents get the best car insurance rates in comparison with insureds who have frequent claims or accidents.
- Paper-free Discount - Some of the larger companies will discount your bill up to fifty bucks shop Evansville auto insurance over the internet.
- Theft Deterrent System - Anti-theft and alarm system equipped vehicles can help prevent theft and that can save you a little bit as well.
- Seat Belt Discounts - Requiring all passengers to use their safety belts can save 10% or more off the medical payments premium.
- Anti-lock Brake System - Vehicles that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
- Waiver for an Accident - Not really a discount, but some companies like Liberty Mutual and GEICO permit an accident without raising rates if your claims history is clear for a certain period of time.
Remember that some credits don't apply to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think you can get free auto insurance, insurance companies wouldn't stay in business.
To view providers that offer multiple discounts in Indiana, follow this link.
Insurance is available from local insurance agents
A lot of people just want to go talk to an agent and there is nothing wrong with that. The biggest benefit of comparing insurance online is that you can obtain better rates and still have a local agent. Buying from and supporting local insurance agents is especially important in Evansville.
To find an agent, once you fill out this simple form, your coverage information is instantly submitted to local insurance agents that give free quotes for your insurance coverage. There is no reason to find an agent due to the fact that quote results will go straight to your inbox. It's the lowest rates and a licensed agent to work with. If you need to get a comparison quote from a particular provider, you would need to find their quoting web page to submit a rate quote request.
The following are Evansville auto insurance companies that may be able to provide price quote information for GMC Sierra insurance in Evansville.
Finding the right provider should include more criteria than just a cheap price quote. Before buying a policy in Evansville, get answers to these questions.
- How long has the business existed?
- What is the financial rating for the quoted company?
- Are they in the agency full-time?
- If independent agents, which companies do they recommend?
- Does the company use OEM repair parts?
- Do you qualify for any additional discounts?
- Is their price quote a firm figure or are their hidden costs?
- If your car is totalled, how to they determine the replacement cost?
Be persistent and save
In this article, we presented some good ideas how to lower your GMC Sierra insurance premium rates in Evansville. It's most important to understand that the more companies you get prices for, the better your chances of lowering your prices. You may even discover the biggest savings come from some of the smallest insurance companies. These companies may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.
When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced full coverage only to regret that it was a big error on their part. Your goal should be to buy enough coverage at the lowest possible cost, but don't skip important coverages to save money.
Some car insurance companies don't offer rate quotes online and usually these smaller companies provide coverage only through local independent agencies. More affordable car insurance in Evansville is available from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection.
Additional car insurance information can be read at these links:
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- How Much are Indiana Car Insurance Rates for a Chevrolet Malibu? (FAQ)
- Who Has Affordable Auto Insurance for a Mazda CX-7 in Indiana? (FAQ)
- What Car Insurance is Cheapest for Safe Drivers in Indiana? (FAQ)
- What is the Best Cheap Car Insurance in New Albany, Indiana? (FAQ)
- Child Safety FAQ (iihs.org)
- Safety Belts FAQ (iihs.org)
- Five Mistakes to Avoid (Insurance Information Institute)