Best Cheap Insurance Quotes for a GMC Sierra in Utah

Your ability to find cheaper car insurance for a GMC Sierra in Utah depends on a complex formula that factors things like the safety rating for your Sierra, the likelihood of vehicle theft, and if your driving record is clean. Drivers in Utah pay on average $640 per year to insure a Sierra, but that price is a ballpark figure using rating data for a 50-year-old married male who needs both comprehensive and collision coverage and $1,000 deductibles.

The problem with using this number is the good chance you aren’t exactly 50 years old or even a male, single instead of married, or maybe your driving record isn’t squeaky clean. The different assumptions illustrate why the only real way to find cheap insurance rates for your GMC is to comparison shop your policy at each renewal. It only takes a few minutes and you will receive price comparisons from the cheapest companies that offer coverage in Utah.

Cheapest GMC Sierra Insurance Rates

The specific model of Sierra will be a contributing factor to the cost of coverage, so the price to insure a Sierra SLE Regular Cab 2WD will be $92 cheaper than the cost to insure the fancier Sierra Denali Crew Cab 4WD version, as shown by the rates below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in zip code location which can change rates significantly.

Locating low-cost car insurance is hard enough, and deciding which companies offer the cheapest car insurance rates for a GMC Sierra will involve even more shopping around. Each company uses a slightly different approach for determining prices, so let’s take a look at the car insurance companies that tend to have lower prices in Utah.

It’s important that you understand Utah car insurance rates are impacted by many things that control the cost of coverage. Turning one year older, buying a home instead of renting, or getting a reckless driving citation can trigger changes in premium that may make certain companies more expensive than competitors.

Cheapest Insurance Rates for Your Truck

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google.charts.setOnLoadCallback(drawUTT5qcibChart);function drawUTT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Bear River’, 572, ‘#FF5733’], [‘USAA’, 760, ‘#D4482A’], [‘Auto-Owners’, 858, ‘#B03C23’], [‘American Family’, 955, ‘#92321D’], [‘Safeco’, 1030, ‘#792918’]]);var options = {title: ‘Cheapest Car Insurance Companies in Utah’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1130,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Bear River quotes some of the most affordable car insurance rates in Utah at around $572 a year. USAA, Auto-Owners, American Family, and Safeco also rank well as some of the more affordable Utah insurance companies.

In this example, if you are a customer of American Family and switched to USAA, you might realize yearly savings of approxmiately $195. Drivers with Safeco could save as much as $270 a year, and GEICO policyholders might lower prices by up to $274 a year.

To find out how your current rates compare, click here to start a quote or click several companies below for low rates.

It’s important to note that these premium estimates are averaged for all types of insureds and vehicles and do not factor in a specific rate factor for a GMC Sierra. So the insurer that has the cheapest rates for you may not even be included in the rate chart shown above. That illustrates why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

The chart below demonstrates how deductible levels can influence insurance premiums when trying to find cheap insurance for a GMC Sierra. The premiums assume a married male driver, full coverage, and no policy discounts are applied.

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A 50-year-old driver could save $296 a year by increasing from a $100 deductible up to a $500 deductible, or save $446 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, could potentially save as much as $994 or even more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough funds in savings to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Full coverage rates vs. liability-only in Utah

Finding the best cheap insurance for a GMC Sierra in Utah is probably important to most people, and a good way to save on the cost of insurance is to only pay for liability coverage. The chart below visualizes the comparison of insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or driving citations, $500 deductibles, single marital status, and no discounts are factored in.

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Averaged for all age groups, full coverage costs an additional $1,619 per year more than insuring for liability only. Lot’s of drivers question when is the right time to remove full coverage. There is no definitive guideline to stop paying for physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

There are some circumstances where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

How to find the best cheap insurance for a GMC Sierra in Utah

It’s not impossible to find cheaper rates, and here are a few money-saving solutions that can help Utah drivers get the cheapest coverage.

• Save money by obeying traffic laws and keeping a clean driving record
• Assess whether full coverage is needed
• Buy safe vehicles
• Accidents can significantly increase rates
• Higher physical damage deductibles lower rates
• Pay lower rates with good credit
• Keep rates low by shopping around frequently

The final tip is remarkably important, as was emphasized in the prior article. Prices go up and down frequently, so don’t be tentative to buy a different policy if you can save money. Many consumers stick with the same company and that’s fine, but it’s not a great idea if that stubbornness costs you thousands of dollars over the life of your policy. It only take a few minutes to compare prices and find cheaper car insurance for a GMC Sierra.