Who Has Cheap Insurance Quotes for a GMC Sierra in Nevada?

Our editors have a joke that when writing about auto insurance, the word “cheap” shouldn’t be used anywhere in the article as a descriptor for car insurance rates. It’s just a fact that cheap auto insurance for a GMC Sierra may be a thing of the past. But don’t let that discourage you, because we will teach you how you can get auto insurance that is cheaper than what you are paying now.

Your odds of finding the cheapest car insurance for a GMC Sierra in Nevada relies on a very complex rating algorithm that uses multiple factors such as how long your commute is, whether or not you have had gaps between policies, and any prior driving offenses. Nevada drivers pay around $1,230 every 12 months to buy insurance for a GMC Sierra, but that policy rate is a projection calculated using a 50-year-old single male who purchased full comprehensive and collision coverage and $100 deductibles.

There is a very good chance that you are not 50 and possibly not even male, married instead of single, or maybe your Sierra is a different trim level than the example. This demonstrates why the only way to find cheap auto insurance rates for your GMC is to just take the time to do a thorough rate comparison.

Insure Your GMC for Less

The trim level of your Sierra tends to have a direct effect on the yearly cost, so the price you will pay to insure a Sierra SLE Regular Cab 2WD will be $234 cheaper than the price to insure the higher-end Sierra Denali Crew Cab 4WD trim level, as demonstrated by the prices below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in your specific Nevada location which can revise coverage prices greatly.

Deciding which company offers the lowest-priced auto insurance rates for a GMC Sierra requires more time in order to find the best price. Each company uses a different method to establish rates, so let’s take a look at the auto insurance companies with the most affordable rates in Nevada.

It’s important to know that Nevada auto insurance rates are impacted by many factors that can increase the price you pay. Simply turning a year older, buying another vehicle, or getting a driving violation can trigger rate changes resulting in some rates now being much cheaper than others.

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google.charts.setOnLoadCallback(drawNVT5qcibChart);function drawNVT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Allied’, 921, ‘#F07050’], [‘Travelers’, 930, ‘#C85D42’], [‘Capital’, 978, ‘#A64D37’], [‘American Family’, 1182, ‘#8A402D’], [‘Oregon Mutual’, 1193, ‘#733525’]]);var options = {title: ‘Top Five Cheapest Auto Insurance Companies in Nevada’,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:1293,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);}

Allied normally has some of the most affordable car insurance rates in Nevada at around $921 per year. Travelers, Capital, American Family, and Oregon Mutual also qualify as some of the lowest-priced Nevada insurance companies.

In the rate table above, if you currently have coverage with American Family and switched to Travelers, you might achieve a yearly savings of around $252. Drivers with Oregon Mutual may save as much as $263 a year, and Progressive insureds might realize rate reductions of up to $296 a year.

It’s important to note that these prices are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific rating modification for a GMC Sierra. So the company that is most affordable for your situation may not even be in the list of companies above. That point stresses why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

How to get discounts on Nevada insurance

Insurance companies that sell cheap insurance for a GMC Sierra in Nevada may also provide policy discounts that may potentially lower prices by as much as 35% or more if you are eligible. Popular auto insurance companies and a partial list of their discounts are included below.

• Progressive has discounts for continuous coverage, good student, multi-vehicle, homeowner, multi-policy, online quote discount, and online signing.
• AAA may offer discounts for good student, education and occupation, multi-car, AAA membership discount, multi-policy, and pay-in-full.
• Farmers Insurance policyholders can earn discounts including mature driver, bundle discounts, alternative fuel, switch companies, pay in full, and electronic funds transfer.
• GEICO has savings for seat belt use, daytime running lights, multi-policy, five-year accident-free, and military active duty.
• Esurance may include discounts for anti-theft, multi-policy, paid-in-full, safety device, claim free, and multi-car.
• SAFECO includes discounts for accident prevention training, anti-theft, drive less, multi-car, homeowner, bundle discounts, and safe driver.
• State Farm offers discounts including defensive driving training, Steer Clear safe driver discount, driver’s education, safe vehicle, and student away at school.

The chart below shows the difference between car insurance rates with and without discounts applied to the policy premium. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, homeowner, defensive driving course, marriage, vehicle safety, and claim-free discounts applied. When drivers qualify for the discounts, the the average amount saved on auto insurance for a GMC Sierra is 28% or $490.

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Drive safe and save

The common sense way to receive the best auto insurance premiums in Nevada for a Sierra pickup is to drive safely and not receive tickets or have accidents. The illustration below highlights how speeding tickets and at-fault collisions drive up car insurance rates for different age groups of insureds. The premiums assume a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

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In the previous chart, the average cost of a car insurance policy in Nevada per year with a clean driving record and no accidents is $1,612. Receive one speeding ticket and the average cost rises to $1,875, an increase of $263 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a GMC Sierra increases to an average of $2,620. That’s an increase of $1,008, or $84 per month, just for not paying attention while driving!

Who has the cheapest GMC Sierra insurance quotes?

There are many ways to find cheap auto insurance in Nevada, but the most frequently used ways are using a non-exclusive or independent agent, an exlusive agent like Allstate or State Farm, or direct either online or via phone. You can use whichever method you prefer, but it’s important to understand the differences in how they function.

Independent insurance agents have contracts with multiple insurance companies and can get rate quotes from every one. Agents of this type will give you more rate choices, which can give you the best shot at cutting your rates. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to do anything.

An exclusive agent is contracted to one insurance company, two popular examples being an Allstate or State Farm agent. Exclusive agents generally are unable to provide prices from multiple companies, which requires you to shop around.

Consumers who buy auto insurance direct forego a local agent and buy direct either online or via phone. This auto insurance option may be the best choice drivers who do not have a complex risk profile and have some degree of understanding of how their policy works.

So comparing independent agents, exclusive agents, and direct, which one works best for finding cheap insurance for a GMC Sierra in Nevada? Most drivers assume that shopping direct yields the cheapest rates since no commissions are paid to an agent, but that turns out to not be true. And we’d like to say using an independent agent guarantees the best prices because you have more choices, but that is not necessarily true either. In many circumstances, exclusive agents have really good rates well below independent agents AND direct companies.

Since auto insurance rates vary so much, the best method to buy the cheapest coverage is to get as many comparison quotes as possible. Set aside the time to get quotes from all three types in order to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.

How to find more affordable auto insurance for a GMC Sierra

The list below details some of the better penny-pinching ideas that can help Nevada drivers find cheaper auto insurance.

• Drive safe vehicles
• Avoid speeding and other traffic citations and pay less
• Staying accident-free helps keep rates low
• Insure your home and auto with the same company
• If possible, pay for small claims out-of-pocket
• On older vehicles, drop full coverage
• Compare rate quotes often

That final tip is incredibly important, as was stressed in this piece. Prices vary greatly, so don’t be unwilling to change to a new company if you find a cheaper price. Being loyal to a particular company is commendable, but is isn’t recommended if that loyalty ends up costing lots of money. Take a couple minutes and compare rates and find cheaper insurance for a GMC Sierra.