Cheapest Insurance for a GMC Sierra in Wisconsin

We always joke that when we write about car insurance, the word “cheap” should not appear as a descriptor for car insurance rates. Regardless, cheap car insurance for a GMC Sierra is just plain contradictory. Don’t let that get you down, though, because we are going to show you some ways you can still find coverage that won’t break your budget.

The chances that you’ll find cheaper car insurance for a GMC Sierra in Wisconsin relies on a lot of rating factors such as the number of years of driving experience you have, if you have a tendancy to file claims, and driving violations. Drivers will pay on average $780 each year for Sierra insurance, but that rate is an estimation using a 50-year-old married male driver that included full coverage including both comprehensive and collision and $100 policy deductibles.

Chances are that rate is not what you would pay, because most likely you may not be 50 years old (or even male), single instead of married, and there is a good chance that you need different coverage limits than the exampe. Not every driver requires the same auto insurance coverages, so your best chance at finding the cheapest coverage for your GMC is to put in the effort to do a thorough rate comparison. Quotes are always free and you will receive rate quotes from some of the best insurers that sell coverage in Wisconsin.

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Your GMC’s trim level will influence the annual cost of coverage, so the cost to insure a Sierra SLE Regular Cab 2WD trim level will be $148 lower than the insurance cost for the higher-end Sierra Denali Crew Cab 4WD version, as shown in the prices below.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Estimates do not factor in zip code location which can revise coverage rates considerably.

Trying to find cost effective insurance is tough enough, and figuring out which company has the cheapest car insurance rates for a GMC Sierra involves more quotes for comparison.

Each insurance company has a unique formula for determining rates in each state, so we’ll take a look at the overall cheapest car insurance companies in Wisconsin. It’s important that readers know that Wisconsin car insurance rates are impacted by many factors that will increase or decrease the price of coverage. This price variability is why drivers need to do a thorough rate comparison to find the cheapest car insurance rates for a GMC Sierra. Car insurance prices are calculated by many things and change frequently, so the cheapest company the last time you shopped your coverage around may now be quite expensive.

Find the Cheapest Auto Insurance for Your Truck

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USAA may offer some of the best car insurance rates in Wisconsin at around $604 a year. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance also make the cut as some of the cheapest Wisconsin car insurance companies.

As shown in the rates above, if you currently buy coverage from Rockford Mutual and switched to USAA, you could earn yearly savings of upwards of $142. Wisconsin drivers with Rural Mutual Insurance could save as much as $145 a year, and Pekin Insurance policyholders might reduce rates by $148 a year.

Be aware that those premiums are averaged across all types of insureds and vehicles and do not factor in a specific rate factor for a GMC Sierra. So the auto insurance company that is most affordable for your situation may not even be shown in the rate chart shown above. That emphasizes why you need to get rate quotes using your own specific driver and vehicle information.

The illustration below shows how choosing a deductible can affect annual premium costs when quoting cheap insurance for a GMC Sierra. Data assumes a single male driver, full coverage, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could reduce rates by $266 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $398 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could possibly save $872 or even more by using a higher deductible. When raising deductibles, it is important to have spare funds to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Cheapest car insurance: Progressive, State Farm, Geico, or Allstate

When it comes to insurance for a Sierra pickup in Wisconsin, the top insurers to get price quotes from are Progressive, State Farm, Geico, and Allstate. Combined they insure 48.5% of all vehicles in the U.S.. The next table compares and contrasts ratings for price and service, as well as some optional coverages that may be available in Wisconsin.

How to find more affordable car insurance for a GMC Sierra

The list below shows a few penny-pinching solutions that can help drivers buy lower-cost car insurance.

• Do not get traffic tickets
• Increase your policy deductibles
• Safe vehicles cost less to insure
• Good credit can mean cheaper rates
• Maintain a safe distance and avoid accidents
• Remove physical damage coverage on older vehicles
• Compare rates regularly and switch companies to save money

The last suggestion is incredibly important, as we discussed in the prior article. Car insurance prices fluctuate constantly, so don’t be unwilling to buy a different policy if a more affordable price is available. Having a favorite company is fine, but it’s not a good idea if your bullheadedness ends up costing you several hundred dollars every year. Now is a great time to compare rates and find cheaper car insurance for a GMC Sierra.

Who has the cheapest GMC Sierra insurance quotes?

Drivers have many ways to quote cheap car insurance rates in Wisconsin, but the most popular ways are through an independent insurance agent, an exlusive agent like Allstate or Auto-Owners, or direct from companies such as Progressive or Geico. You can use whichever you prefer, but each is slightly different in how they provide price quotes.

Independent insurance agencies have contracts with many companies and can get rate quotes from all of them. These agents have the ability to give you more rates, which may give you better odds of saving money. If prices rise, an independent agent can move your coverage and you can keep the same agent.

An exlusive, or captive, agency is only able to give rates for just one company such as an Auto-Owners or Allstate agent. They generally cannot give you multiple price quotes, which requires you to shop around.

When you buy car insurance direct, you bypass the middleman (the agent) and buy direct online or over the phone from a company like Geico or Progressive. Buying direct may be preferred by people who have an average risk profile and have an above average understanding of what is covered and what is not.

So out of those three methods, which one works best to find the cheapest insurance for a GMC Sierra in Wisconsin? We’d like to say shopping direct results in the cheapest rates because you bypass the agent, but that is generally not the case. We’d also like to say buying car insurance from an independent agent results in the best rates because they can shop around, but that assumption is also not accurate. In many circumstances, exclusive agencies have price quotes that other car insurance companies cannot touch.

Because there are so many factors that make up car insurance rates, the one way to get the cheapest rates is to get quotes and compare. Set aside the time to get prices from all three to have a good selection of rates to choose from. For a list of companies with some of the cheapest Wisconsin car insurance rates, click here to view.