Who Has the Cheapest Insurance Quotes for a GMC Sierra in Texas?

We always joke that when we write about car insurance, the words “affordable” or “cheap” should not appear as a descriptor for auto insurance rates. The fact is, cheap auto insurance for a GMC Sierra is pretty hard to find. Don’t let that ruin your day, because we will show you how you can still get car insurance that is more affordable than your current policy.

The chances that you’ll find the best cheap auto insurance for a GMC Sierra in Texas depends upon many factors like whether you are married, whether or not you garage your vehicle, and deductibles for comprehensive and collision coverage. Texas drivers on average pay around $1,150 each year to insure a Sierra, but that amount is an estimate calculated using a 50-year-old married female that included both comprehensive and collision coverage and $250 physical damage deductibles.

But there is a good chance that you aren’t exactly 50 years old or even a female, you might be single instead of married, or maybe you have a teenager that needs to be on your policy. Just a slight difference in the criteria used to calculate rates can lead to a big change in the cost of insurance.

Different coverage needs are the reason why the only real way to find the cheapest rates for your GMC is to do a thorough rate comparison.

Find Cheaper GMC Sierra Insurance

Your vehicle’s trim level will likely have an effect on the cost of insurance, so the price you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $206 less than the cost to insure the higher-priced Sierra Denali Crew Cab 4WD version, as shown by the rates below.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in your specific Texas location which can influence price quotes greatly.

Finding decent, low-priced insurance is not easy, and deciding which company offers the cheapest car insurance rates for a GMC Sierra may require more quotes for comparison.

Each company has a proprietary method for setting prices, so first let’s look at the rankings for the overall cheapest car insurance companies in Texas.

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Travelers quotes some of the cheapest car insurance rates in Texas at around $1,041 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the most economical Texas auto insurance companies.

As depicted above, if you are a policyholder with USAA and switched to Travelers, you may realize yearly savings of in the neighborhood of $87. Policyholders with Texas Farm Bureau could save as much as $158 a year, and Germania Mutual policyholders might cut rates by $215 a year.

Be aware that those premium estimates are averaged across all ages of drivers and types of vehicles and and are not figured with a specific rate value for a GMC Sierra. So the auto insurance company that is best for you may not even be featured in the chart above. That underscores the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

The illustration below illustrates how choosing a deductible can influence yearly insurance costs when quoting cheap insurance for a GMC Sierra. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are factored in.

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In the chart above, a 30-year-old driver could reduce rates by $422 a year by changing from a $100 deductible to a $500 deductible, or save $634 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could roll back prices as much as $900 or even more by using higher deductibles when buying full coverage. If you do raise deductibles, it is a good idea to have additional funds squirreled away to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Company comparison: Progressive vs Allstate vs State Farm vs Geico

When buying auto insurance, the first places to look would be Progressive, Allstate, State Farm, and Geico. The table below illustrates price, claims, and customer service ratings, as well as some optional coverages that may be available in Texas.

How to find budget-friendly auto insurance for a GMC Sierra

Below you’ll find some of the recommended penny-pinching solutions that can help Texas drivers get the cheapest auto insurance.

• Remain accident-free and save
• Do not file small claims
• Maintain a clean driving record
• Vehicles with good safety ratings have lower liability rates
• Buy your auto and home insurance from the same company and save
• Shop around and save

That final tip is particularly necessary, as we hit on in this article. Prices charged by car insurance companies fluctuate constantly, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper rate is available.

Many drivers prefer to stick with one company, but it isn’t a good idea if that dedication is costing several hundred dollars every year. Spend a few minutes and shop around and find cheaper car insurance for a GMC Sierra.