Save Money on GMC Sierra 3500HD Insurance in Pittsburgh

Insurance quote for GMC Sierra 3500HD in PittsburghAstonishing but true according to a recent study, the vast majority of drivers kept their policy with the same company for at least four years, and 38% of customers have never shopped around. The average driver in Pittsburgh can save hundreds of dollars each year by just comparing quotes, but most just don’t grasp how much savings they would realize if they just switched companies.

Truthfully, the best way to find the cheapest price for GMC Sierra 3500HD insurance in Pittsburgh is to make a habit of comparing prices annually from companies in Pennsylvania.

First, learn about what coverages are included in your policy and the factors you can control to keep rates low. Many things that drive up the price such as speeding and an imperfect credit score can be eliminated by making minor changes to your lifestyle.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple insurance companies. Get quotes now

Third, compare the new rate quotes to the premium of your current policy to see if cheaper Sierra 3500HD coverage is available. If you find a better price and decide to switch, make sure there is no lapse in coverage.

Fourth, notify your agent or company of your decision to cancel your current auto insurance policy and submit a down payment along with a signed application to the newly selected company. As soon as you receive it, safely store the proof of insurance paperwork along with the vehicle’s registration papers.

A tip to remember is to try to compare the same coverage limits and deductibles on each quote and and to get prices from as many auto insurance providers as possible. This enables an accurate price comparison and a better comparison of the market.

Locating the most cost-effective insurance policy in Pittsburgh is really quite easy. If you currently have a car insurance policy, you will be able to buy cheaper insurance using the techniques presented in this article. But Pennsylvania car owners do need to learn the way insurance companies calculate your insurance rates.

Most major insurance companies give insurance quotes on the web. Getting online rates for GMC Sierra 3500HD insurance in Pittsburgh is possible for anyone as you just enter your coverage information into a form. After you complete the form, their quoting system will obtain information on your driving record and credit history and returns a price based on the information you submitted.

Getting online rate quotes for GMC Sierra 3500HD insurance in Pittsburgh makes it simple to compare prices and it is imperative to perform this step in order to find the cheapest price possible.

To save time and compare pricing, compare rates now from the companies shown below. To compare your current rates, we recommend you type in deductibles and limits as close as possible to your current policy. Doing this guarantees you’re receiving a fair comparison for similar coverage.

The companies shown below can provide free quotes in Pennsylvania. To locate the best cheap car insurance in Pittsburgh, we recommend you compare several of them to get the most competitive price.

Verify you’re receiving every discount

Some companies don’t always list the complete list of policy discounts in a way that’s easy to find, so the following list contains both the well known and the more hidden credits available to bring down your rates. If you’re not getting every credit available, you’re just leaving money on the table.Insurance discounts

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, that’s just not realistic.

The information below shows the comparison of GMC Sierra 3500HD insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.

The best insurance companies and some of the discounts can be read below.

Double check with every insurance company which discounts you qualify for. Some credits might not be available to policyholders in Pittsburgh. To find insurers that can offer you the previously mentioned discounts in Pittsburgh, click here.

Rates and statistics

The premium table shown below covers different insurance rates for GMC Sierra 3500HD models. Being aware of how rates are determined can help drivers make informed decisions.

GMC Sierra 3500HD Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $288 $502 $444 $26 $134 $1,394 $116
Sierra 3500HD SLE Regular Cab 4WD $288 $576 $556 $32 $166 $1,618 $135
Sierra 3500HD SLE Crew Cab 2WD $288 $502 $444 $26 $134 $1,394 $116
Sierra 3500HD SLE Extended Cab 2WD $288 $502 $444 $26 $134 $1,394 $116
Sierra 3500HD SLE Extended Cab 4WD $288 $576 $556 $32 $166 $1,618 $135
Sierra 3500HD SLE Crew Cab 4WD $288 $576 $556 $32 $166 $1,618 $135
Sierra 3500HD SLT Extended Cab 2WD $288 $502 $444 $26 $134 $1,394 $116
Sierra 3500HD SLT Crew Cab 4WD $288 $576 $556 $32 $166 $1,618 $135
Sierra 3500HD SLT Extended Cab 4WD $288 $576 $556 $32 $166 $1,618 $135
Sierra 3500HD SLT Crew Cab 2WD $318 $576 $444 $26 $134 $1,498 $125
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific zip code location which can modify rates considerably.

The information below demonstrates how deductibles and can influence GMC Sierra 3500HD annual premium costs for different ages of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Shop online but buy locally

A lot of people would rather have an agent’s advice and that can be a smart move A nice benefit of price shopping on the web is the fact that drivers can get the lowest rates and also buy local.

Insurance agency in PittsburghUpon completion of this short form, your insurance data is transmitted to participating agents in Pittsburgh who will give you quotes for your coverage. There is no need to find an agent because prices are sent to the email address you provide. You’ll get the best rates and work with a local agent. If you want to compare rates from a specific auto insurance provider, just visit that company’s website to submit a rate quote request.

Deciding on a insurer shouldn’t rely on just a low price. The answers to these questions are important, too.

Insurance does more than just protect your car

Even though it’s not necessarily cheap to insure a GMC in Pittsburgh, buying insurance is most likely required but also gives you several important benefits.

First, almost all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage if you drive a vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your car, most banks will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may have to buy a policy to insure your GMC at a much higher rate and require you to fork over much more than you were paying before.

Third, insurance protects both your vehicle and your assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of having insurance greatly outweigh the cost, especially if you ever need it. On average, a vehicle owner in Pittsburgh overpays as much as $865 each year so smart consumers compare quotes once a year at a minimum to make sure the price is not too high.

Auto insurance 101

Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverages

This can cover damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/5 which stand for a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property.

Liability coverage protects against things like court costs, funeral expenses, attorney fees, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Pennsylvania state minimum liability requirements are 15/30/5 but you should consider buying more coverage.

The next chart shows why buying minimum limits may not be high enough to cover claims.

Collision protection

This covers damage to your Sierra 3500HD caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, driving through your garage door, sideswiping another vehicle, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible on your Sierra 3500HD to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like ambulance fees, chiropractic care, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance program 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. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, hail damage, rock chips in glass, damage from a tornado or hurricane and theft. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your GMC Sierra 3500HD.

Since many Pennsylvania drivers have only the minimum liability required by law (Pennsylvania limits are 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Best auto insurance company in Pennsylvania

Buying coverage from a good quality insurance company can be difficult considering how many companies sell coverage in Pittsburgh. The company information displayed below may help you select which companies to look at purchasing from.

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service

  1. Titan Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Pittsburgh Car Insurance Companies Overall

  1. The General
  2. Titan Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

Cheap insurance premiums are out there

You just learned a lot of ways to get a better price on GMC Sierra 3500HD insurance in Pittsburgh. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest prices are with the least-expected company.

People who switch companies do it for many reasons like being labeled a high risk driver, unfair underwriting practices, lack of trust in their agent or extreme rates for teen drivers. No matter why you want to switch, choosing a new company is actually quite simple.

Cheap GMC Sierra 3500HD insurance in Pittsburgh can be sourced online and also from your neighborhood Pittsburgh agents, so you should be comparing quotes from both to have the best selection. Some companies may not provide rates over the internet and most of the time these regional carriers only sell through local independent agencies.

Even more information can be read at these sites: