Amazingly, most car insurance policyholders kept buying from the same company for a minimum of four years, and virtually 40% of consumers have never compared rates to find cheap insurance. Pennsylvania drivers could save themselves about 55% a year by just shopping around, but they underestimate the rate savings if they replace their high priced policy.
The recommended way to find affordable GMC Sierra insurance in Pittsburgh is to compare prices regularly from providers who provide auto insurance in Pennsylvania. Price quotes can be compared by completing these steps.
- Step 1: Try to learn a little about what coverages are included in your policy and the measures you can take to keep rates down. Many things that cause high rates such as getting speeding tickets and a substandard credit score can be amended by improving your driving habits or financial responsibility.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while independent agents can provide price quotes from many different companies.
- Step 3: Compare the new rates to your existing rates and see if there is a cheaper rate in Pittsburgh. If you find better rates and make a switch, make sure there is no lapse in coverage.
- Step 4: Provide proper notification to your current company of your intent to cancel the current policy. Submit any necessary down payment along with the completed application to the new insurer. As soon as you can, place the new certificate verifying coverage with the vehicle registration.
A crucial key to this process is that you use similar limits and deductibles on every quote request and and to get price quotes from every company you can. Doing this provides a fair rate comparison and a good representation of prices.
The companies shown below are ready to provide comparison quotes in Pennsylvania. If you wish to find cheap auto insurance in Pittsburgh, PA, we recommend you get rates from several of them to get the lowest price.
GMC Sierra insurance analysis
The data table displayed below highlights a range of coverage prices for GMC Sierra models. Knowing how insurance policy premiums are formulated can be valuable when making smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$244||$484||$428||$26||$128||$1,310||$109|
|Sierra SL Extended Cab 2WD||$244||$484||$428||$26||$128||$1,310||$109|
|Sierra SLE Crew Cab 2WD||$244||$484||$428||$26||$128||$1,310||$109|
|Sierra SL Crew Cab 2WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SLE Crew Cab 2WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SLE Regular Cab 4WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SLE Extended Cab 4WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SLE Crew Cab 4WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SLT Extended Cab 2WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SL Crew Cab 4WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SLT Extended Cab 4WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SLT Crew Cab 2WD||$276||$570||$428||$26||$128||$1,428||$119|
|Sierra SLT Crew Cab 4WD||$308||$658||$428||$26||$128||$1,548||$129|
|Sierra Denali Crew Cab 2WD||$308||$658||$428||$26||$128||$1,548||$129|
|Sierra Denali Crew Cab 4WD||$308||$658||$428||$26||$128||$1,548||$129|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in garaging location in Pittsburgh which can lower or raise coverage prices considerably.
One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The comparisons below may help to conceptualize how much more rates are of buying low and high insurance deductibles. The first data set uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$284||$512||$330||$20||$98||$1,269||$106|
|Sierra SL Extended Cab 2WD||$284||$512||$330||$20||$98||$1,269||$106|
|Sierra SLE Crew Cab 2WD||$284||$512||$330||$20||$98||$1,269||$106|
|Sierra SL Crew Cab 2WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SLE Crew Cab 2WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SLE Regular Cab 4WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SLE Extended Cab 4WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SLE Crew Cab 4WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SLT Extended Cab 2WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SL Crew Cab 4WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SLT Extended Cab 4WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SLT Crew Cab 2WD||$320||$602||$330||$20||$98||$1,395||$116|
|Sierra SLT Crew Cab 4WD||$356||$694||$330||$20||$98||$1,523||$127|
|Sierra Denali Crew Cab 2WD||$356||$694||$330||$20||$98||$1,523||$127|
|Sierra Denali Crew Cab 4WD||$356||$694||$330||$20||$98||$1,523||$127|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$158||$270||$330||$20||$98||$876||$73|
|Sierra SL Extended Cab 2WD||$158||$270||$330||$20||$98||$876||$73|
|Sierra SLE Crew Cab 2WD||$158||$270||$330||$20||$98||$876||$73|
|Sierra SL Crew Cab 2WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SLE Crew Cab 2WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SLE Regular Cab 4WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SLE Extended Cab 4WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SLE Crew Cab 4WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SLT Extended Cab 2WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SL Crew Cab 4WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SLT Extended Cab 4WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SLT Crew Cab 2WD||$178||$318||$330||$20||$98||$944||$79|
|Sierra SLT Crew Cab 4WD||$198||$366||$330||$20||$98||$1,012||$84|
|Sierra Denali Crew Cab 2WD||$198||$366||$330||$20||$98||$1,012||$84|
|Sierra Denali Crew Cab 4WD||$198||$366||$330||$20||$98||$1,012||$84|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in specific location information which can increase or decrease price quotes significantly.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $37 more each month or $444 every year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 24 months between claims, you would more than likely save some money if you choose the higher deductible.
Full coverage rates compared to liability-only
The information below compares GMC Sierra annual premium costs with full physical damage coverage and with liability coverage only. The information is based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no set guideline of when to stop paying for physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s say your GMC Sierra settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying your policy deductible. If you are paying in excess of $200 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some circumstances where removing full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Why you need to buy auto insurance
Despite the high insurance cost for a GMC Sierra in Pittsburgh, insuring your vehicle is not optional due to several reasons.
First, the majority of states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance coverage in order to license the 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 loan on your Sierra, most banks will have a requirement that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender will be forced to insure your GMC at a significantly higher premium and make you pay the higher price.
Third, auto insurance preserves not only your car but also your financial assets. It also can pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay attorney fees in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of buying enough insurance more than cancel out the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is wasting up to $869 every year so you should quote your policy with other companies at least once a year to make sure the price is not too high.
Why Smart Buyers Pay Less for GMC Sierra Insurance
Many different elements are part of the equation when you get a price on insurance. A few of the factors are predictable like an MVR report, but some are less apparent like where you live or how safe your car is.
Vehicles with better crash test results save money – Cars with five star safety ratings tend to have lower insurance rates. Vehicles built for safety reduce the chance of injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates. If the GMC Sierra has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Better credit means lower rates – An insured’s credit score is likely to be a major factor in determining premium rates. People that have good credit tend to be more responsible and file fewer claims than drivers who have worse credit. If your credit history could use some work, you could potentially save money when insuring your GMC Sierra if you improve your credit rating.
Comp and collision deductibles are a factor – Protection for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. Examples of covered claims could be a dented fender, damage from fire, and rolling your vehicle. Deductibles for physical damage are the amount of money the insured will be required to pay if a covered claim is submitted. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.
Men tend to take more risk – Statistics demonstrate that females tend to be a little less risky than males. However, don’t assume that women are BETTER drivers than men. Females and males get in fender benders at a similar rate, but the male of the species get into accidents with more damage. Men also get higher numbers of serious violations such as DWI and reckless driving.
The illustration below illustrates the comparison of GMC Sierra insurance premiums for male and female drivers. The data is based on no accidents or driving violations, full coverage, $1,000 deductibles, single status, and no discounts are factored in.
What are good liability protection limits? – Your insurance policy’s liability coverage is the protection if ever you are found liable for damages from an accident. Your liability coverage provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to comp and collision, so drivers should carry high limits.
Lower rates with a multi-policy discount – Most larger insurance companies provide lower prices to people that buy multiple policies. It’s known as a multi-policy discount. Discounts can amount to ten percent or more. Even if you qualify for this discount already, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates.
More performance means higher rates – The make and model of the car or truck you drive makes a significant difference in your rates. Small economy passenger vehicles normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
The following chart is based on a married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares GMC Sierra insurance rates compared to other models of vehicles that have a range of risk factors.
Extra coverages that may not be needed – There are many optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Coverages for rental car coverage, accident forgiveness, and membership fees may not be needed and are just wasting money. These coverages may sound good initially, but if you don’t need them eliminate them to save money.
GMC Sierra claim statistics – Companies use historical loss data to calculate a price that will offset losses. Models that are shown to have higher loss trends will have higher rates for specific coverages. The table below illustrates the compiled insurance loss statistics for GMC Sierra vehicles.
For each policy coverage, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Numbers that are below 100 suggest losses that are better than average, while values that are 100 or greater indicate frequent claims or an increased chance of larger losses than average.
|Vehicle 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do you qualify for discounts?
Some insurers do not advertise every discount very clearly, so the list below contains a few of the more common and the harder-to-find discounts that you may qualify for. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.
- Telematics Devices – Drivers that enable driving data collection to track where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.
- Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% because newer vehicles keep occupants safer.
- No Claims – Good drivers with no accidents can save substantially in comparison to frequent claim filers.
- Discount for Life Insurance – Larger insurance carriers have a discounted car insurance rate on car insurance if you buy a life policy as well.
- Senior Citizen Discount – If you qualify as a senior citizen, you could receive better car insurance rates.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Government Employees – Federal government employees could cut as much as 10% off but check with your company.
It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The information below compares GMC Sierra insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, marriage, claim-free, and multi-policy discounts applied.
A list of car insurance companies and a partial list of their discounts are included below.
- GEICO discounts include military active duty, anti-lock brakes, driver training, multi-policy, emergency military deployment, and multi-vehicle.
- SAFECO offers premium reductions for accident prevention training, bundle discounts, anti-theft, homeowner, and multi-car.
- State Farm offers discounts for multiple autos, good driver, passive restraint, good student, multiple policy, and driver’s education.
- MetLife has savings for good student, multi-policy, claim-free, accident-free, good driver, defensive driver
- 21st Century includes discounts for driver training, student driver, good student, 55 and older, homeowners, defensive driver, and automatic seat belts.
- Progressive offers discounts including good student, online quote discount, online signing, multi-policy, multi-vehicle, and homeowner.
If you are trying to find cheaper Pittsburgh car insurance quotes, ask all companies you are considering to give you their best rates. Depending on the company, some discounts may not apply to policyholders everywhere. If you would like to choose from a list of car insurance companies who offer car insurance discounts in Pennsylvania, follow this link.
Different people need different insurance coverages
When it comes to buying insurance from an agent or online, there really isn’t a single plan that fits everyone. Your financial needs are unique and a cookie cutter policy won’t apply.
For example, these questions may help highlight if your insurance needs might need professional guidance.
- Is my nanny covered when transporting my kids?
- Does my personal policy cover me when driving out-of-state?
- How high should my uninsured/underinsured coverage be in Pennsylvania?
- Does low annual mileage earn a discount?
- What are the financial responsibility laws in my state?
- Are rock-chip repairs free?
- Is business equipment covered while in my vehicle?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Compare rate quotes but work with a local Pittsburgh insurance agency
Many people would rather sit down with an agent and that is OK! Insurance agents will help you protect your assets and help in the event of a claim. The best thing about getting free rate quotes online is the fact that you can find cheaper prices and still have a local agent. Supporting neighborhood insurance agencies is definitely important in Pittsburgh.
By using this quick form, the coverage information is instantly submitted to companies in Pittsburgh who can give free rate quotes to get your business. You never need to even leave your home due to the fact that quote results will go to you instantly. If for some reason you want to get a comparison quote from one company in particular, you can always jump over to their website and give them your coverage information.
What type of Pittsburgh auto insurance agent is right for you?
If you’re trying to find a reliable insurance agency, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Insurance agents can be classified as either exclusive or independent (non-exclusive). Both types can sell insurance policies, but we need to point out the difference in the companies they write for because it can influence your agent selection.
Independent Agencies or Brokers
Independent agents are not locked into one company and that is an advantage because they can write policies through lots of different companies depending on which coverage is best. If they quote lower rates, an independent agent can move your coverage and that require little work on your part. When comparing insurance rates, you absolutely need to include several independent agencies to get the most accurate price comparison.
The following is a list of independent insurance agents in Pittsburgh who may be able to give you free price quotes.
Agents that choose to be exclusive can only provide pricing for a single company such as State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to compare rates from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on the products they sell which aids in selling service over price.
Below are exclusive agencies in Pittsburgh who can help you get comparison quotes.
Choosing the best insurance agent should depend on more than just the quoted price. Here are some questions you should ask.
- What is their Better Business Bureau rating?
- Do the companies they represent have a solid financial rating?
- Will you get a loaner vehicle if you car is being repaired?
- How will an accident affect your rates?
- Did they already check your driving record and credit reports?
- Are there any discounts for paying up front?
After you get reasonable responses and a low price estimate, most likely you have located an auto insurance agent that can be relied on to insure your vehicles. Just keep in mind you are entitled to terminate coverage whenever you choose to so don’t assume that you are obligated to a policy for the full term.
Quote often and quote early
As you shop your coverage around, do not reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at the best price and still be able to protect your assets.
In this article, we covered many ways to save on GMC Sierra insurance in Pittsburgh. It’s most important to understand that the more you quote Pittsburgh car insurance, the better chance you’ll have of finding low cost Pittsburgh car insurance quotes. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.
More tips and info about insurance is located by following these links:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has Cheap Car Insurance for a Nissan Sentra in Pittsburgh? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Pittsburgh? (FAQ)
- How Much is Auto Insurance for Drivers Over Age 70 in Pittsburgh? (FAQ)
- How Much are Auto Insurance Quotes for Government Employees in Pittsburgh? (FAQ)
- Who Has Cheap Pittsburgh Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- Who Has Affordable Pittsburgh Auto Insurance for Teenage Females? (FAQ)
- How Much are Car Insurance Quotes for Police Officers in Pittsburgh? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Auto Insurance Facts and Statistics (Insurance Information Institute)