Insurance rates GMC Sierra in IndianapolisWant to learn how to find more competitive GMC Sierra insurance in Indianapolis? Nobody I know looks forward to paying for insurance, especially knowing their premiums are too high.

A study showed that the majority of drivers have remained with the same insurance company for four years or more, and nearly the majority have never quoted insurance rates at all. Drivers in Indiana could pocket up to 55% a year just by getting comparison quotes, but they feel it's too difficult to go online and compare rates.

Big companies like State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with fancy advertisements and consumers find it hard to ignore the promise of big savings and find the best price available.

It's important to get comparison quotes before your next renewal since rates change frequently. Even if you got the lowest rate on GMC Sierra insurance in Indianapolis on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because you're about to find out one of the easiest ways to get good coverage on GMC Sierra insurance in Indianapolis at a lower rate.

Just remember that comparing a large number of companies provides better odds of finding the best price.

The providers in the list below are our best choices to provide free quotes in Indianapolis, IN. If several companies are displayed, it's a good idea that you click on several of them to get the lowest price.

GMC Sierra Insurance Costs in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $208 $414 $364 $22 $110 $1,118 $93
Sierra SL Extended Cab 2WD $188 $370 $270 $16 $80 $924 $77
Sierra SLE Crew Cab 2WD $148 $282 $380 $22 $114 $946 $79
Sierra SL Crew Cab 2WD $272 $514 $280 $16 $84 $1,166 $97
Sierra SLE Crew Cab 2WD $212 $436 $270 $16 $80 $1,014 $85
Sierra SLE Regular Cab 4WD $240 $496 $340 $20 $102 $1,198 $100
Sierra SLE Extended Cab 4WD $280 $430 $368 $22 $110 $1,210 $101
Sierra SLE Crew Cab 4WD $244 $430 $280 $16 $84 $1,054 $88
Sierra SLT Extended Cab 2WD $148 $312 $340 $20 $102 $922 $77
Sierra SL Crew Cab 4WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLT Extended Cab 4WD $234 $504 $318 $18 $94 $1,168 $97
Sierra SLT Crew Cab 2WD $310 $514 $368 $22 $110 $1,324 $110
Sierra SLT Crew Cab 4WD $262 $610 $318 $18 $94 $1,302 $109
Sierra Denali Crew Cab 2WD $168 $312 $280 $16 $84 $860 $72
Sierra Denali Crew Cab 4WD $236 $504 $270 $16 $80 $1,106 $92
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in specific location which can impact rates noticeably.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is which deductibles should you choose. The tables below approximate the rate fluctuation when you choose different deductibles. The first rate table uses a $250 deductible and the second set of rates uses a $1,000 deductible.

GMC Sierra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $216 $366 $280 $16 $84 $987 $82
Sierra SL Extended Cab 2WD $216 $366 $280 $16 $84 $987 $82
Sierra SLE Crew Cab 2WD $216 $366 $280 $16 $84 $987 $82
Sierra SL Crew Cab 2WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SLE Crew Cab 2WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SLE Regular Cab 4WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SLE Extended Cab 4WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SLE Crew Cab 4WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SLT Extended Cab 2WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SL Crew Cab 4WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SLT Extended Cab 4WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SLT Crew Cab 2WD $244 $430 $280 $16 $84 $1,079 $90
Sierra SLT Crew Cab 4WD $272 $496 $280 $16 $84 $1,173 $98
Sierra Denali Crew Cab 2WD $272 $496 $280 $16 $84 $1,173 $98
Sierra Denali Crew Cab 4WD $272 $496 $280 $16 $84 $1,173 $98
Get Your Own Custom Quote Go
GMC Sierra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $134 $230 $280 $16 $84 $744 $62
Sierra SL Extended Cab 2WD $134 $230 $280 $16 $84 $744 $62
Sierra SLE Crew Cab 2WD $134 $230 $280 $16 $84 $744 $62
Sierra SL Crew Cab 2WD $152 $270 $280 $16 $84 $802 $67
Sierra SLE Crew Cab 2WD $152 $270 $280 $16 $84 $802 $67
Sierra SLE Regular Cab 4WD $152 $270 $280 $16 $84 $802 $67
Sierra SLE Extended Cab 4WD $152 $270 $280 $16 $84 $802 $67
Sierra SLE Crew Cab 4WD $152 $270 $280 $16 $84 $802 $67
Sierra SLT Extended Cab 2WD $152 $270 $280 $16 $84 $802 $67
Sierra SL Crew Cab 4WD $152 $270 $280 $16 $84 $802 $67
Sierra SLT Extended Cab 4WD $152 $270 $280 $16 $84 $802 $67
Sierra SLT Crew Cab 2WD $152 $270 $280 $16 $84 $802 $67
Sierra SLT Crew Cab 4WD $168 $312 $280 $16 $84 $860 $72
Sierra Denali Crew Cab 2WD $168 $312 $280 $16 $84 $860 $72
Sierra Denali Crew Cab 4WD $168 $312 $280 $16 $84 $860 $72
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $23 more each month or $276 a year than selecting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 33 months between claim filings, you would more than likely save some money by going with a higher deductible. The table below illustrates how you can make your own decision.

Average monthly premium for $250 deductibles: $90
Average monthly premium for $1,000 deductibles (subtract): - $67
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

One important caveat is that increasing deductibles to lower your rates results in more money out-of-pocket at claim time. You need to have enough disposable savings in order to pay the higher deductible in order to repair your vehicle.

Car insurance in Indiana serves several purposes

Even though it can be expensive, insurance is a good idea for several reasons.

First, most states have minimum liability requirements which means you are required to buy specific limits of liability protection in order to drive the car legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your Sierra, it's guaranteed your bank will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If coverage lapses or is cancelled, the bank will be required to insure your GMC for a lot more money and force you to pay much more than you were paying before.

Third, insurance protects both your vehicle and your assets. Insurance will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of buying car insurance are definitely more than the cost, especially if you ever need it. As of last year, the average driver in Indiana overpays more than $810 a year so compare rate quotes each time the policy renews to ensure rates are inline.

Insurance discounts are available to lower rates

Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. Most are applied when you get a quote, but occasionally some discounts must be requested specifically before they will apply.Save money with discounts

Drivers should understand that most credits do not apply to the entire cost. Most cut individual premiums such as medical payments or collision. Just because it seems like you could get a free insurance policy, nobody gets a free ride.

Large insurance companies and their possible discounts can be read below.

If you want cheaper Indianapolis auto insurance quotes, ask every insurance company which discounts you may be entitled to. Savings might not be available to policyholders in Indianapolis. To view insurance companies that provide some of the discounts listed above in Indianapolis, follow this link.

Local neighborhood Indianapolis car insurance agents

Many drivers still prefer to talk to a local agent and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is that drivers can save money and get lower rates and also buy local. And supporting local insurance agents is definitely important in Indianapolis.

Indianapolis insurance agentsTo find an agent, once you fill out this quick form, the coverage information is sent to local insurance agents that can provide free Indianapolis auto insurance quotes for your coverage. You don't have to leave your house because prices are sent directly to your email. You can get cheaper car insurance rates without having to waste a lot of time. If for some reason you want to compare rates from a specific insurance company, feel free to go to their quote page and give them your coverage information.

If you are wanting to purchase car insurance from a local agent, there are a couple of different agency structures and how they differ in how they quote coverages. Car insurance agencies are considered either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

Agents that choose to be independent do not sell for just one brand and that allows them to write policies through many different car insurance companies enabling the ability to shop coverage around. If your premiums go up, they simply move the coverage in-house which makes it simple for you. When searching for an agent, you will want to include price quotes from a couple of independent agencies to get the most accurate price comparison.

Shown below is a small list of independent insurance agencies in Indianapolis that may be able to give you rate quotes.


2929 E 96th St Suite A. - Indianapolis, IN 46240 - (317) 844-3049 - View Map


4918 S Emerson Ave - Indianapolis, IN 46203 - (317) 780-2500 - View Map


4255 Lafayette Rd - Indianapolis, IN 46254 - (317) 290-2055 - View Map

More Indianapolis agents

Exclusive Insurance Agents

Agents that choose to be exclusive have only one company to place business with such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents receive extensive training on what they offer and that can be a competitive advantage.

Listed below is a list of exclusive insurance agencies in Indianapolis that can give you comparison quotes.


1480 W Southport Rd c - Indianapolis, IN 46217 - (317) 888-5200 - View Map

Jim Grounds - State Farm Insurance Agent
4745 Statesmen Dr d - Indianapolis, IN 46250 - (317) 842-6807 - View Map


4475 W 71st St - Indianapolis, IN 46268 - (317) 328-0882 - View Map

More Indianapolis agents

Choosing the best insurance agent is decision based upon more than just a cheap price. Any agent in Indianapolis should have no problem answering these questions:

Insurance agents can help

When choosing insurance from an agent or online for your personal vehicles, there isn't really a perfect coverage plan. You are unique so this has to be addressed.Drive safe and save These are some specific questions might help in determining whether or not you might need an agent's assistance.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance policy specifics

Understanding the coverages of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from auto insurance companies.

Collision protection

Collision coverage will pay to fix damage to your Sierra resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, driving through your garage door, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Sierra to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your GMC Sierra.

Due to the fact that many Indiana drivers have only the minimum liability required by law (25/50/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liability limits.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to people or other property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/10 that means you have $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, medical services, court costs, legal defense fees and pain and suffering. The amount of liability coverage you purchase is up to you, but buy higher limits if possible. Indiana requires minimum liability limits of 25/50/10 but you should think about purchasing more liability than the minimum.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like ambulance fees, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, theft and damage from getting keyed. The maximum payout you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

One last note

We covered some good ideas how to reduce GMC Sierra insurance premium rates online in Indianapolis. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best premium rates are with some of the lesser-known companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Progressive or GEICO.

Cheaper GMC Sierra insurance in Indianapolis is possible from both online companies and from local insurance agents, so get free Indianapolis auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers don't offer online price quotes and many times these regional carriers only sell through local independent agencies.

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