How Much are Insurance Quotes for a GMC Sierra in South Carolina?

We always joke that when we write about car insurance, the word affordable should never be used anywhere to describe car insurance rates. The fact is, cheap auto insurance for a GMC Sierra can be extremely hard to find. Don’t let that discourage you, because we will tell you how you can get coverage that is more budget-friendly.

Finding the cheapest coverage for a GMC Sierra in South Carolina relies on a complex formula that factors things such as your date of birth, whether you have good credit, and if you have any chargeable driving offenses. Drivers pay approximately $1,320 every 12 months to insure a Sierra, but that cost is that uses a 30-year-old married female driver that has full coverage and $100 policy deductibles.

There is a good probability you are not a 30-year-old female, single instead of married, and you want different coverage limits than the example. Making even small differences in input factors can cause large differences in the price of coverage.

Having different needs demonstrates why your best chance at finding the cheapest coverage for your GMC is to shop around at every renewal for lower rates.

Compare GMC Sierra Insurance Rates

The trim level of your GMC can impact the cost of coverage, so the price you will pay to insure a Sierra SLE Regular Cab 2WD will be $260 less than the cost to insure the more well-appointed Sierra Denali Crew Cab 4WD trim level, as shown below.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in zip code location which can raise or lower rates noticeably.

Ending up with the top company can be rather challenging considering how many choices drivers have in South Carolina. The company rank data in the next section may help you analyze which providers to look at comparing rate quotes with. These ratings only include companies with a nationwide focus, so smaller regional companies are not included in the list.

Top 10 Major Car Insurance Companies in South Carolina Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top Companies for GMC Sierra Insurance in South Carolina

The information below illustrates how choosing a deductible can impact insurance premiums when trying to find cheap insurance for a GMC Sierra. The rate quotes are based on a single female driver, full coverage, and no discounts are applied to the premium.

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The chart above illustrates that a 50-year-old driver could reduce rates by $376 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $568 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could possibly save as much as $962 or even more just by choosing higher deductibles. When increasing deductibles, it will be required to have enough savings set aside to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Who has the cheapest GMC Sierra insurance quotes?

Drivers have a lot of different ways to quote and buy auto insurance in South Carolina, but the most popular are from a non-exclusive or independent agent, an exclusive insurance agency like Allstate or State Farm, or direct from companies such as Geico or Progressive. You can use whichever you prefer, but they differ in how they price policies.

Independent agents write business for many companies and can get rate quotes from all of them. They do not sell for just one brand and can provide you with more rate quotes, which may give you more bang for your buck. If you want to switch companies, your agent can switch companies and you won’t have to switch agencies.

Exclusive agents are only able to give prices for one insurance company such as a State Farm or Liberty Mutual agent. They usually cannot provide prices from multiple companies, so you might not find the best rates.

Choosing to buy auto insurance direct means you bypass an agent and instead buy from a direct company like Progressive or Geico. This auto insurance option may be a decent choice people who have limited assets and know more than average about the exclusions of a policy.

What is the best way for finding cheap insurance for a GMC Sierra in South Carolina? We’d like to tell you buying from a direct company saves money because you bypass the agent, but that turns out to not be true. An argument could also be made that buying auto insurance from an independent agent can save the most money due to increased selection, but again, that’s not accurate. In a lot of cases, the exclusive agents have price quotes that are well below what direct and independents offer.

Since auto insurance prices vary so much, the guaranteed way to get rock-bottom rates is to compare rate quotes from as many companies as possible. If time allows, get quotes from all three types to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.

How to get cheap insurance for a GMC Sierra in South Carolina

It’s not impossible to find cheaper rates, and here are a few penny-pinching suggestions that can help you quote more affordable car insurance.

• Do not waste money insuring older vehicles for full coverage
• Earn discounts for being claim-free
• At-fault accidents will increase rates
• You will pay more if you get tickets or have at-fault accidents
• Raise deductibles to save money
• Compare rates often to find the best deal

The final tip is highly important, as was pointed out in the prior article. Rates fluctuate constantly, so drivers shouldn’t hesitate to change to a new company if a more affordable price is available.

Having a favorite company is great, but it’s not a good idea if that devotedness results in you overpaying lots of hard earned cash every month. It takes less than five minutes to shop around to find cheaper insurance for a GMC Sierra.