Would you like an easy way to compare cheaper GMC Sierra insurance in San Francisco? Trying to find better insurance prices for your GMC Sierra in California can turn out to be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to shop for insurance and you need to know the best way to get price quotes for your GMC and find the best price possible either online or from San Francisco insurance agents.
It’s a good habit to compare prices on a regular basis because rates are rarely the same from one policy term to another. Even if you got the lowest rate on GMC Sierra insurance in San Francisco at your last renewal you will most likely find a better price today. Ignore everything you know about insurance because it’s time to teach you the best way to find lower rates on insurance.
Choosing the best rates in San Francisco seems hard but is not really that difficult. If you are insured now or just want cheaper rates, you will benefit by learning to buy cheaper car insurance without reducing protection. Smart shoppers only need an understanding of the most time-saving way to find the lowest price from many different companies online.
Most of the larger companies such as State Farm and Allstate allow consumers to get coverage price quotes on the web. Doing online price comparisons for GMC Sierra insurance in San Francisco doesn’t take much effort as all you need to do is type in your coverage preferences as detailed in the form. When the form is submitted, the company’s rating system makes automated requests for information on your driving record and credit history and quotes a price determined by many factors.
This makes it simple to compare prices and it’s very important to get many rate quotes if you want to get cheap prices.
To find out how much you’re overpaying now, check out the car insurance providers below. If you have a policy now, it’s recommended you enter deductibles and limits exactly as shown on your declarations page. This helps ensure you will be getting a fair comparison based on identical coverages.
The car insurance companies shown below offer free quotes in California. If multiple companies are listed, we suggest you click on several of them to get a more complete price comparison.
Rates and other information
The table shown below outlines estimates of policy rates for GMC Sierra models. Learning as much as possible about how insurance quotes are determined is important for drivers to make smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$434||$686||$578||$34||$174||$1,906||$159|
|Sierra SL Extended Cab 2WD||$434||$686||$578||$34||$174||$1,906||$159|
|Sierra SLE Crew Cab 2WD||$434||$686||$578||$34||$174||$1,906||$159|
|Sierra SL Crew Cab 2WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SLE Crew Cab 2WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SLE Regular Cab 4WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SLE Extended Cab 4WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SLE Crew Cab 4WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SLT Extended Cab 2WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SL Crew Cab 4WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SLT Extended Cab 4WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SLT Crew Cab 2WD||$490||$810||$578||$34||$174||$2,086||$174|
|Sierra SLT Crew Cab 4WD||$546||$932||$578||$34||$174||$2,264||$189|
|Sierra Denali Crew Cab 2WD||$546||$932||$578||$34||$174||$2,264||$189|
|Sierra Denali Crew Cab 4WD||$546||$932||$578||$34||$174||$2,264||$189|
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rates do not factor in specific garaging location which can modify premium rates noticeably.
The example below shows how choosing a deductible and can change GMC Sierra insurance costs for each age group. The costs are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
Violations and accidents raise rates
The chart below demonstrates how citations and at-fault collisions can drive up GMC Sierra insurance costs for different age groups. The rates are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.
Do you need full coverage?
The diagram below illustrates the comparison of GMC Sierra auto insurance rates with full physical damage coverage compared to only buying liability only. The costs are based on no claims or driving violations, $500 deductibles, single status, and no discounts are applied.
When to switch to liability coverage only
There is no clear-cut rule to exclude full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s pretend your GMC Sierra settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying your policy deductible. If you are paying over $400 annually to have full coverage, then it might be time to buy liability only.
There are some conditions where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Informed Consumers Can Lower Insurance Rates
Consumers need to have an understanding of the rating factors that help determine the level of your policy premiums. If you know what influences your rates, this enables you to make decisions that may reward you with lower premium levels. Many things are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, although others are more transparent such as your marital status or how safe your car is.
Listed below are a few of the “ingredients” used by your company to calculate prices.
Don’t buy extra policy coverages you don’t need – There are quite a few additional coverages that you can buy if you aren’t diligent. Add-on coverages like coverage for rental cars, death and dismemberment, and motor club memberships may be wasting your money. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so think about removing them and cutting costs.
Raise deductibles and save – Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some instances where coverage would apply are a dented fender, hail damage, or theft. The deductibles tell how much you are willing to pay if a claim is determined to be covered. The more the insured is willing to pay, the less your auto insurance will be.
Cheaper rates by bundling – Most larger auto insurance companies provide better rates to people who have multiple policies with them in the form of a multi-policy discount. This can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to comparison shop to ensure the best deal. It’s possible to still save even more by buying from different companies
The type of vehicle you drive affects your premiums – The performance of the car you need insurance for makes a substantial difference in the rate you pay. The lowest rates are generally reserved for lower performance four cylinder passenger models, but there are many factors that impact the final cost.
The data below uses these variables: single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares GMC Sierra insurance rates compared to other models of vehicles that have a range of performance rating factors.
Insurance loss probability for a GMC Sierra – Auto insurance companies analyze historical claim data when they calculate premium rates for each model. Models that have increased claim numbers or amounts will have higher rates for specific coverages.
The next table shows the collected loss data for GMC Sierra vehicles. For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, is represented as 100. Percentage values below 100 represent a good loss history, while values over 100 indicate more frequent claims or an increased chance of larger losses than average.
|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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance is not optional
Despite the high insurance cost for a GMC Sierra in San Francisco, insurance serves an important purpose.
- Almost all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability insurance coverage in order to license the vehicle. In California 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.
- If you have a loan on your GMC, almost all lenders will make it mandatory that you have comprehensive coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your GMC at a more expensive rate and force you to pay for the expensive policy.
- Insurance protects your GMC Sierra and your assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability coverage will also pay for a defense attorney if anyone sues you for causing an accident. If your GMC gets damaged, your insurance policy will cover the repair costs.
The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. An average driver in America overpays as much as $825 a year so you should quote your policy with other companies at every policy renewal to save money.