How to Compare Sacramento GMC Sierra Insurance

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A recent survey discovered that nearly 70% of consumers kept their coverage with the same auto insurance company for at least the last four years, and 38% of drivers have never quoted auto insurance rates at all. Many drivers in America could save $859 each year by just shopping around, but they don't know how much they could save if they replace their high priced policy.

Insurance quote for GMC Sierra in SacramentoIf you want to save money, the best way to get more affordable car insurance rates is to make a habit of regularly comparing prices from insurers in Sacramento. Price quotes can be compared by completing these steps.

  1. Spend a few minutes and learn about the coverage provided by your policy and the measures you can control to prevent high rates. Many things that drive up the price such as speeding and a low credit score can be improved by paying attention to minor details.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can quote prices from multiple sources. View rates
  3. Compare the new quotes to your existing policy to see if a cheaper price is available in Sacramento. If you find better rates and buy the policy, make sure coverage does not lapse between policies.

The most important part of this process is to try to use the same physical damage deductibles and liability limits on every quote request and and to look at as many different insurance providers as possible. Doing this provides an accurate price comparison and a complete price analysis.

Companies offering affordable GMC Sierra rates in Sacramento, CA

The companies in the list below are ready to provide price comparisons in California. If your goal is to find cheap auto insurance in CA, it's a good idea that you visit two to three different companies in order to find the cheapest rates.

GMC Sierra coverage statistics

The coverage table shown below covers different insurance costs for GMC Sierra models. Understanding more about how premiums are established can help guide drivers when making decisions when shopping your coverage around.

GMC Sierra Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $366 $776 $574 $34 $172 $1,922 $160
Sierra SL Extended Cab 2WD $366 $776 $574 $34 $172 $1,922 $160
Sierra SLE Crew Cab 2WD $366 $776 $574 $34 $172 $1,922 $160
Sierra SL Crew Cab 2WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SLE Crew Cab 2WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SLE Regular Cab 4WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SLE Extended Cab 4WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SLE Crew Cab 4WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SLT Extended Cab 2WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SL Crew Cab 4WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SLT Extended Cab 4WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SLT Crew Cab 2WD $412 $914 $574 $34 $172 $2,106 $176
Sierra SLT Crew Cab 4WD $458 $1052 $574 $34 $172 $2,290 $191
Sierra Denali Crew Cab 2WD $458 $1052 $574 $34 $172 $2,290 $191
Sierra Denali Crew Cab 4WD $458 $1052 $574 $34 $172 $2,290 $191
Get Your Own Custom Quote Go

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in Sacramento location which can change insurance rates greatly.

Violations and accidents raise rates

The chart below shows how speeding tickets and fender-benders can impact GMC Sierra insurance prices for different age groups of insureds. The information is based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Cheaper GMC Sierra insurance in Sacramento

Car insurance is easily one of your largest bills, but you might already qualify for some discounts to help bring down the price. A few discounts will be applied when you purchase, but a few must be specifically requested in order for you to get them.

  • Driving Data Discount - Drivers who elect to allow driving data collection to analyze driving manner through the use of a telematics system like In-Drive from State Farm and Progressive's Snapshot could save a few bucks as long as the data is positive.
  • Savings for New Vehicles - Adding a new car to your policy can get you a discount because newer vehicles keep occupants safer.
  • Discounts for Multiple Vehicles - Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
  • Active Military Service - Having a family member in the military could mean lower car insurance rates.
  • Student Driver Training - Reduce the cost of insurance for teen drivers by having them successfully complete driver's ed class in school.
  • Paperwork-free - Some companies provide a small discount for buying your policy on their website.

Policy discounts save money, but some credits don't apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, that's just not realistic.

The illustration below shows the comparison of GMC Sierra car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims, a clean driving record, California 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 claim-free, marriage, multi-car, homeowner, safe-driver, and multi-policy discounts applied.

Companies and some of the discounts are outlined below.

  • Farm Bureau offers premium reductions for renewal discount, youthful driver, multi-vehicle, good student, multi-policy, 55 and retired, and safe driver.
  • State Farm may offer discounts for Drive Safe & Save, good student, student away at school, multiple autos, passive restraint, and accident-free.
  • Progressive discounts include good student, multi-vehicle, online quote discount, continuous coverage, homeowner, and online signing.
  • Allstate may include discounts for anti-lock brakes, new car, FullPay discount, safe driver, and anti-theft.
  • Nationwide offers discounts including multi-policy, good student, defensive driving, easy pay, and anti-theft.
  • MetLife may have discounts that include defensive driver, multi-policy, accident-free, good driver, and claim-free.

If you want cheaper Sacramento auto insurance quotes, ask all companies you are considering to apply every possible discount. Savings might not be offered in every state. To view car insurance companies that offer many of these discounts in California, click here to view.

Compare prices but still have a local neighborhood Sacramento car insurance agent

A lot of people would rather buy from a licensed agent and there is nothing wrong with that. Most agents are trained risk managers and give you someone to call. A nice benefit of getting online price quotes is that you can obtain cheap auto insurance quotes and also buy local. Buying from small agencies is important especially in Sacramento.

Find insurance agent in SacramentoAfter filling out this simple form, your information is immediately sent to agents in your area that can provide free Sacramento auto insurance quotes for your insurance coverage. You won't even need to search for an agent since price quotes are sent to you. If for some reason you want to get a price quote from a specific company, don't hesitate to visit that company's website and complete a quote there.

Types of car insurance agents

If you need to find a reliable agent, you need to know there are two different agency structures that you can choose from. Auto insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer. Both types can handle auto insurance, but it's worth learning how they differ since it may influence buying decisions.

Independent Auto Insurance Agents (or Brokers)

Independent agents can sell policies from many different companies so they can quote policies with a variety of different insurance companies and find the cheapest rate. If premiums increase, the business is moved internally which is easy for the insured. When comparing auto insurance rates, you definitely need to include rate quotes from a few independent agents to ensure the widest selection of prices. Most independent agents also contract with companies you've never heard of which can be an advantage.

The following is a partial list of independent agencies in Sacramento who can help you get cheap rate quotes.

More insurance agents

Exclusive Auto Insurance Agents

Agents of this type normally can only provide a single company's rates and some examples include American Family, State Farm, and Allstate. These agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on sales techniques which aids in selling service over price. A lot of people buy insurance from these agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

Below are exclusive insurance agents in Sacramento willing to provide price quote information.

More insurance agents

Choosing an car insurance agent shouldn't rely on just a cheap price quote. A good agent in Sacramento will have answers to these questions.

  • Are they able to influence company decisions when a claim is filed?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • How is replacement cost determined on your vehicle?
  • Do they have cheaper tiers of coverage?
  • What is the agency's Better Business Bureau rating?

Auto insurance 101

Knowing the specifics of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your GMC Sierra.

Due to the fact that many California drivers carry very low liability coverage limits (which is 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Medical costs insurance

Med pay and PIP coverage pay for expenses for things like EMT expenses, pain medications, dental work, doctor visits and chiropractic care. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible on your Sierra to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a deer, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Auto liability insurance

This coverage will cover injuries or damage you cause to a person or their property. It protects YOU against other people's claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 15/30/5 which means $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as medical services, medical expenses, structural damage, repair bills for other people's vehicles and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford. California state minimum liability requirements are 15/30/5 but it's recommended drivers buy more liability than the minimum.

The chart below demonstrates why low liability limits may not be adequate.

You can lower your car insurance rates

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

We just covered many ways to find cheap GMC Sierra insurance in Sacramento. The most important thing to understand is the more companies you get prices for, the better likelihood of getting inexpensive Sacramento auto insurance quotes. You may even be surprised to find that the best price on car insurance is with a small local company.

Drivers change insurance companies for many reasons like extreme rates for teen drivers, poor customer service, being labeled a high risk driver and policy cancellation. Whatever your reason, choosing a new insurance company is easier than you think.

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