Cheapest Insurance Quotes for a GMC Sierra in Idaho

When we talk about auto insurance, the word affordable should not appear anywhere in the article to describe car insurance prices. Notwithstanding, cheap car insurance for a GMC Sierra is just plain contradictory. Don’t let that spoil your day, because there may be ways you can find and buy car insurance that works with your budget.

The chances of finding cheaper insurance for a GMC Sierra in Idaho is contingent on lots of different factors like whether or not you own a home, if you have ever let your coverage lapse, and if your driving record shows any at-fault accidents. Drivers pay an average of $730 annually to insure a Sierra, but that rate is an estimate assuming a 30-year-old married male who needs full comprehensive and collision coverage and $500 physical damage deductibles.

But there is a high likelihood that you aren’t exactly 30 years old or even a male, you might be single instead of married, and there is a good chance that other rated drivers impact the rate. Not everyone needs the same coverages, so the way we recommend to find the most affordable coverage for your GMC is to put in the effort to do a thorough rate comparison.

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The trim level of your GMC will be a contributing factor to the annual cost of coverage, so the price you will be charged to insure a Sierra SLE Regular Cab 2WD will be $126 lower than the price to insure the more costly Sierra Denali Crew Cab 4WD version, as shown in the table below.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in specific zip code location which can influence coverage rates significantly.

Finding decent, low-priced auto insurance is easier said than done, and finding out which companies have the lowest-priced insurance rates for a GMC Sierra takes more quotes for comparison.

Every auto insurer has a unique formula for filing rates in each state, so we need to take a look at the insurance companies that tend to be cheaper in Idaho. It’s important to know that Idaho insurance rates are impacted by many things that control the cost of having a policy. This price variability is why drivers need to do a thorough rate comparison to get the most economical insurance rates for a GMC Sierra. Insurance prices are determined by many risk factors and can increase or decrease at any time, so the best option when you bought your policy may now not even be in the top five.

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American National offers some of the lowest car insurance rates in Idaho at around $247 each year. Farm Bureau of ID Group, USAA, Oregon Mutual, and American Family are also some of the more affordable Idaho auto insurance companies.

As depicted above, if you currently have a policy with Oregon Mutual and switched to American National, you might see an annual savings of approxmiately $405. Policyholders with American Family may save as much as $452 a year, and Travelers customers might see rate reductions of $453 a year.

Understand that those policy prices are averaged for all drivers and vehicles in Idaho and and are not figured with a specific rating modification for a GMC Sierra. So the car insurance company that fits you best may not even be included in the list of companies shown earlier. That illustrates why you need to compare rates from as many companies as possible using your own individual information.

Discounts on the cheapest insurance for a GMC Sierra in Idaho

Auto insurance companies that offer quotes for a GMC Sierra may have rate discounts that can lower rates by as much as 25% or more if you meet the requirements. Companies and some of their more popular discounts include:

• Progressive may have discounts that include good student, continuous coverage, online quote discount, multi-policy, homeowner, multi-vehicle, and online signing.
• SAFECO discounts include bundle discounts, homeowner, teen safety rewards, drive less, and accident prevention training.
• American Family may include discounts for multi-vehicle, TimeAway discount, defensive driver, accident-free, and mySafetyValet.
• MetLife offers discounts for accident-free, multi-policy, defensive driver, good driver, good student, claim-free
• GEICO includes discounts for defensive driver, seat belt use, membership and employees, five-year accident-free, emergency military deployment, anti-lock brakes, and good student.
• The Hartford offers discounts including defensive driver, bundle, good student, vehicle fuel type, driver training, air bag, and anti-theft.

The example below compares insurance rates with and without discounts applied. The data assumes a male driver, no accidents or driving violations, Idaho state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, vehicle safety, homeowner, claim-free, multiple policy, and marriage discounts applied. When taking advantage of discounts, the the amount saved on insurance for a GMC Sierra is 28% or $424.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2629,1893],[‘Age 30’, 1367,993],[‘Age 40’, 1351,981],[‘Age 50’, 1229,893],[‘Age 60’, 1191,865],[‘Age 70’, 1447,1043]]);var options = {title: ‘Effect of Discounts on Insurance Price for a GMC Sierra’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra in Idaho’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The illustration below highlights how deductible choice can impact insurance premiums when trying to find cheap insurance for a GMC Sierra. The information is based on a married male driver, comp and collision included, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2385,2177,1947,1729],[‘Age 30’, 1255,1143,1017,893],[‘Age 40’, 1201,1101,985,873],[‘Age 50’, 1101,1009,905,803],[‘Age 60’, 1083,993,891,791],[‘Age 70’, 1241,1143,1033,929]]);var options = {title: ‘Effect of Higher Deductibles on GMC Sierra Insurance Rates in Idaho’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could lower their policy premium by $196 a year by changing from a $100 deductible to a $500 deductible, or save $298 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could lower their rates up to $656 each year just by choosing higher deductibles.

If you do raise deductibles, it is a good idea to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.

How to find the cheapest insurance for a GMC Sierra in Idaho

The list below summarizes many thrifty suggestions that can help drivers get cheap coverage.

• Avoid getting citations and tickets
• Drop full coverage on older vehicles
• Pay for small claims rather than turning them in to your insurance company
• Raise deductibles
• Accident-free drivers may qualify for discounts
• Shop around for cheaper prices

The final tip is certainly critical, as was noted in this article. Car insurance rates can change significantly in a year, so drivers shouldn’t hesitate to buy from a different company if a more affordable rate is found. Staying with the same company for years is fine, but is isn’t recommended if that stubbornness costs you a considerable chunk of change every month. Take a couple minutes and shop around and find cheaper car insurance for a GMC Sierra.

Best cheap GMC Sierra insurance quotes

Drivers have many ways to compare insurance prices in Idaho, but the most prevalent are through an exclusive insurance agency like Allstate or Liberty Mutual, an independent or non-exclusive agent, or direct either online or via phone.

All three ways are similar, but buyers should know the differences in how they function.

Independent insurance agencies are appointed by several companies and can do rate comparisons with every one. These agents are not required to write business for one company and can give you more rate choices, which may give you improved chances of finding a lower rate. If they find a lower price, an independent agent can move your coverage which prevents you from having to find an new insurance agent.

An exclusive ageny is only able to give rates for a single company, examples being State Farm and Allstate agents. Exclusive agents cannot compare rates from other companies, so if prices are high they cannot provide alternatives.

The third popular method of shopping for insurance is direct, which means you bypass an exlusive or independent agent and instead buy direct either online or via phone. Buying direct can be a good choice for consumers who do not need risk management and have some degree of understanding of what insurance covers.

So comparing independent agents, exclusive agents, and direct, which one works best to buy the cheapest insurance for a GMC Sierra in Idaho? We wish we could say buying direct results in the cheapest price since that eliminates agent commissions, but that generally is not the case. We’d also like to say going through an independent agent is the best way to go since there are more companies to choose from, but again, it’s not necessarily true. In many circumstances, the exclusive agents have very competitive rates that other companies cannot beat.

Due to the fact that insurance rates vary so much, really the best method to get rock-bottom rates is to get as many comparison quotes as possible. It takes a little work, but we recommend you get price quotes all three ways to give yourself the best selection. For a list of companies offering online discounts in Idaho, click here to view.