Cheap Insurance for a GMC Sierra in Alabama

The chances of buying affordable insurance for a GMC Sierra in Alabama hinges on things such as how many years you have been driving, where your vehicle is garaged, and driving violations. Drivers in Alabama pay around $1,080 annually for Sierra insurance, but that cost is assuming a 50-year-old single male that includes comprehensive and collision coverage and $500 physical damage deductibles.

But there is a high probability that you are not 50 and possibly not even male, married instead of single, or maybe you prefer liability limits higher than required by Alabama state law. Using even a minor difference in policy rating criteria or coverages may result in a big change in the policy cost.

Everone’s needs are different, and this illustrates why your best shot at finding the cheapest insurance price for your GMC is to comparison shop your policy at every renewal or at least every couple of years.

Compare GMC Sierra Insurance Rates

The trim level of your vehicle will influence the annual cost of coverage, so the price you pay to insure a Sierra SLE Regular Cab 2WD trim level will be $178 less than the insurance cost for the higher-end Sierra Denali Crew Cab 4WD model, as shown by the rates below.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in garaging location in Alabama which can lower or raise premium rates significantly.

Which car insurance company is best in Alabama?

Ending up with a highly-rated insurance company can be a challenge considering how many choices you have in Alabama. The company ratings below can help you analyze which auto insurance companies to look at when looking for cheaper rates. The ratings below include companies with a national presence, so smaller regional companies are not included in the list.

Top 10 Large Auto Insurance Providers in Alabama Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top 10 Large Auto Insurance Providers in Alabama Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. Titan Insurance
8. The General
9. 21st Century
10. Esurance

Top Companies for GMC Sierra Insurance in Alabama

Cost comparison with and without full coverage

Finding cheap insurance for a GMC Sierra in Alabama is the goal of the majority of drivers, and a great way to buy cheaper insurance is to only buy liability insurance. The example below compares auto insurance costs when comparing full coverage to liability only. The rate quotes are based on no claims or driving citations, $250 deductibles, single status, and no discounts are applied to the premium.

If we average the cost for ages 20 through 70, comp and collision coverage costs $2,287 per year more than insuring for liability only. At some point, every insured wonders when is the right time to remove full coverage. There is no written rule for phasing out full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after the deductible is paid. If you are paying in excess of $500 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

The diagram below demonstrates how deductible levels can change insurance costs when quoting cheap insurance for a GMC Sierra. Data assumes a single female driver, comp and collision included, and no additional discounts are factored in.

As shown above, a 30-year-old driver could lower their policy premium by $488 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $732 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, have the ability to save as much as $1,086 or even more by using a higher deductible. When using a larger deductible, it will be required to have enough savings to be able to cover the extra out-of-pocket expense associated with higher deductibles.

Which car insurance company is best?

If you want reliable insurance for a Sierra pickup in Alabama, probably the best companies to start with are Allstate, State Farm, Progressive, and Geico. Combined they have over 45% of the car insurance market in the United States. All offer liability and physical damage insurance, but each one has unique features and discounts that may influence your buying decision. The following table compares ratings for price and service, as well as some optional coverages offered by each company.