Discount GMC Sierra insuranceTrying to find cheaper insurance for a GMC Sierra in Indiana can turn out to be a painful process, but you can use a few tricks to save time.

There is a better way to compare car insurance rates and you need to know the absolute fastest way to quote coverages for a new or used GMC and obtain the cheapest rates from Fort Wayne insurance agents and online providers.

Smart consumers take time to check car insurance prices occasionally because prices change regularly. If you had the lowest rate on GMC Sierra insurance in Fort Wayne at your last renewal the chances are good that you can find a lower premium rate today. Ignore everything you know about car insurance because we're going to demonstrate the things you must know in order to lower your rates without sacrificing coverage.

If you are already insured or need new coverage, you can use this information to find better prices and still get good coverage. Finding quotes for more affordable coverage in Fort Wayne can be fairly easy. Drivers just have to learn the proper way to buy insurance on the web.

Getting a low cost price on GMC Sierra insurance is a fairly straight forward process. The only thing you need to do is spend a little time comparing rates to find the company with affordable GMC Sierra insurance quotes.

The companies in the list below are our best choices to provide quotes in Indiana. If the list has multiple companies, we suggest you visit as many as you can to get a more complete price comparison.

GMC Sierra Insurance Rates in Fort Wayne, 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 $152 $288 $294 $18 $88 $840 $70
Sierra SLE Crew Cab 2WD $186 $376 $318 $18 $94 $992 $83
Sierra SL Crew Cab 2WD $172 $270 $368 $22 $110 $942 $79
Sierra SLE Crew Cab 2WD $210 $422 $318 $18 $94 $1,062 $89
Sierra SLE Regular Cab 4WD $262 $580 $364 $22 $110 $1,338 $112
Sierra SLE Extended Cab 4WD $272 $514 $280 $16 $84 $1,166 $97
Sierra SLE Crew Cab 4WD $234 $504 $318 $18 $94 $1,168 $97
Sierra SLT Extended Cab 2WD $190 $366 $270 $16 $80 $922 $77
Sierra SL Crew Cab 4WD $268 $592 $340 $20 $102 $1,322 $110
Sierra SLT Extended Cab 4WD $244 $430 $280 $16 $84 $1,054 $88
Sierra SLT Crew Cab 2WD $148 $312 $340 $20 $102 $922 $77
Sierra SLT Crew Cab 4WD $162 $352 $364 $22 $110 $1,010 $84
Sierra Denali Crew Cab 2WD $212 $452 $364 $22 $110 $1,160 $97
Sierra Denali Crew Cab 4WD $276 $544 $290 $18 $86 $1,214 $101
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in vehicle location which can revise premiums substantially.

Should you raise deductibles?

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The comparison tables below sum up the differences in price when you choose different policy deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

GMC Sierra insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $242 $436 $280 $16 $84 $1,083 $90
Sierra SL Extended Cab 2WD $242 $436 $280 $16 $84 $1,083 $90
Sierra SLE Crew Cab 2WD $242 $436 $280 $16 $84 $1,083 $90
Sierra SL Crew Cab 2WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SLE Crew Cab 2WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SLE Regular Cab 4WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SLE Extended Cab 4WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SLE Crew Cab 4WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SLT Extended Cab 2WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SL Crew Cab 4WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SLT Extended Cab 4WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SLT Crew Cab 2WD $272 $514 $280 $16 $84 $1,191 $99
Sierra SLT Crew Cab 4WD $304 $592 $280 $16 $84 $1,301 $108
Sierra Denali Crew Cab 2WD $304 $592 $280 $16 $84 $1,301 $108
Sierra Denali Crew Cab 4WD $304 $592 $280 $16 $84 $1,301 $108
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GMC Sierra insurance premium estimates 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

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premiums noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $32 more each month or $384 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 28 months between claims, you would come out ahead if you elect the higher deductible.

GMC Sierra insurance rates: Men versus women

The chart below compares GMC Sierra insurance premiums for male and female drivers. The rates are based on no claims or driving citations, full coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Bad driving habits will cost you more

The illustration below illustrates how speeding tickets and at-fault claims can affect GMC Sierra car insurance rates for different age groups. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

How to know if you need help

When buying the best car insurance coverage, there is no single plan that fits everyone. You are unique.Higher deductibles save money

For instance, these questions might help in determining if your situation might need an agent's assistance.

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can help protect your family.

Do I need an agent?

Some consumers would rather talk to a local agent and that is not a bad decision Good insurance agents can point out coverage gaps and help submit paperwork. An additional benefit of getting online price quotes is you can get better rates and still choose a local agent. Supporting neighborhood agents is still important in Fort Wayne.

Once you complete this quick form, your information is instantly submitted to participating agents in Fort Wayne that can provide free Fort Wayne auto insurance quotes for your auto insurance coverage. There is no reason to leave your house because quoted prices will be sent to your email. If you need to compare rates from a specific company, you would need to find their quoting web page to submit a rate quote request.

If you are wanting to purchase auto insurance from a reliable agent, you need to know there are two types of agencies and how they are distinctly different. Fort Wayne agents can be categorized as either independent (non-exclusive) or exclusive. Either type can provide auto insurance policies, but we need to point out the difference in the companies they write for since it may influence your agent selection.

Independent Auto Insurance Agents (or Brokers)

These agents often have many company appointments so as a result can place your coverage through many companies and get you the best rates possible. If they find a cheaper price, the business is moved internally and that require little work on your part.

If you need cheaper auto insurance rates, we recommend you compare quotes from multiple independent agents for maximum quote selection. They often place coverage with mutual insurance companies which may have better rates.

Featured below is a list of independent agents in Fort Wayne who can help you get pricing information.

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Exclusive Insurance Agents

Agents that choose to be exclusive can only place business with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents are usually quite knowledgeable on what they offer which helps offset the inability to provide other markets. Consumers frequently buy insurance from these agents mostly because of loyalty to the company rather than low rates.

Shown below are Fort Wayne exclusive agencies that are able to give comparison quotes.

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Selecting a auto insurance agent requires you to look at more than just the premium amount. Any agent in Fort Wayne should be forthright in answering these questions:

After you get good responses to all your questions and a good coverage price, it's a good possibility that you have found an auto insurance agent that is reputable and can service your policy. But keep in mind once you purchase a policy you can cancel your coverage at any point so never feel you're contractually obligated to any specific company for the full term.