Cheapest Insurance Quotes for a GMC Sierra in Washington

Because the topic is car insurance, the words cheap or affordable shouldn’t be used as a descriptor for auto insurance rates. Unfortunately, cheap auto insurance for a GMC Sierra does not exist. But don’t despair, because we will show you how you can still get insurance that you are able to afford.

The chances that you’ll find the cheapest auto insurance for a GMC Sierra in Washington depends upon things like if you have purchased a home, your address, and driving violations. Drivers pay an average of $980 per year for Sierra insurance, but that figure is a valuation using rate data for a 50-year-old married female that has full coverage including both comprehensive and collision and $100 physical damage deductibles.

Chances are good that you may not be 50 years old (or even female), maybe you are single instead of married, or maybe your driving record has a blemish or two. Just a very minor change in the factors used in pricing a policy can induce significant differences in rate quotes.

Auto insurance prices are based on the driver profile the best way to quote affordable rates for your GMC is to comparison shop your policy at each renewal. Get a free quote now and you can get rates from top-rated companies available.

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The trim level of your Sierra tends to have a direct effect on price, so the cost to insure a Sierra SLE Regular Cab 2WD will be $186 cheaper than the cost to insure the more expensive Sierra Denali Crew Cab 4WD trim level, as shown in the chart below.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific zip code location which can modify premium rates greatly.

Buying reasonably-priced car insurance is challenging, and determining which companies offer the lowest-priced auto insurance rates for a GMC Sierra will require a bit more work. Each auto insurer has a proprietary formula to determine rates, so we’ll go over the auto insurance companies with the most affordable rates in Washington.

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Capital quotes some of the most affordable car insurance rates in Washington at around $761 a year. Grange, Nationwide, PEMCO, and Travelers are also some of the best Washington auto insurance companies.

In this example, if you are currently insured with Grange and switched to Capital, you may realize a yearly price reduction of roughly $61. Drivers with Nationwide could save as much as $191 a year, and PEMCO insureds might lower prices by $213 a year.

To compare your rates to other Washington insurance companies, click here to get a free quote or click through to the companies below.

Remember that these estimates are averages across all types of insureds and vehicles and do not take into consideration a specific rate value for a GMC Sierra. So the car insurance company that is most affordable for your situation may not even be included in the company chart above. That affirms the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

Get discount Washington car insurance

Auto insurance companies that sell the cheapest insurance for a GMC Sierra in Washington may provide price discounts that could potentially reduce rates by 35% or more if you qualify. A few of the larger companies and the discounts they provide are shown below.

• American Family offers discounts for TimeAway discount, good driver, Steer into Savings, mySafetyValet, defensive driver, bundled insurance, and multi-vehicle.
• State Farm may have discounts that include passive restraint, student away at school, multiple policy, good student, accident-free, anti-theft, and safe vehicle.
• 21st Century includes discounts for student driver, defensive driver, theft prevention, early bird, air bags, 55 and older, and homeowners.
• Travelers has savings for continuous insurance, good student, multi-car, hybrid/electric vehicle, driver training, and early quote.
• GEICO offers premium reductions for membership and employees, multi-policy, anti-lock brakes, federal employee, driver training, and daytime running lights.

The illustration below shows the difference between car insurance costs with and without discounts applied to the rates. The rates are based on a male driver, no tickets, no at-fault accidents, Washington state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, passive restraint, homeowner, marriage, and claim-free discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a GMC Sierra is 28% or $529.

Difference between full coverage and liability only rates

Finding the cheapest insurance for a GMC Sierra in Washington should be important to the majority of people, and an effective way to pay lower rates for insurance is to only pay for liability coverage. The example below shows the comparison of insurance costs with full physical damage coverage compared to only buying liability only. Data assumes a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

As an average for all age groups, physical damage insurance costs $1,570 per year over liability only. That touches on the question if buying full coverage is a waste of money. There is no exact rule of when to exclude physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $12,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $11,000 after you pay the deductible. If you are paying over $1,100 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

How to get the cheapest insurance for a GMC Sierra in Washington

It is possible to find better rates, and here are a few penny-pinching solutions that can help you quote cheap coverage.

• Remove physical damage coverage on older vehicles
• Buy a safer vehicle
• Try to pay small claims out-of-pocket
• Avoid speeding and other traffic citations and pay less
• Insure your home and auto with the same company
• At-fault accidents can raise rates significantly
• Compare rate quotes often

That last tip is especially important, as was affirmed in the prior article. Auto insurance rates fluctuate constantly, so drivers shouldn’t be reluctant to change insurance companies if you find a cheaper price.

Many drivers have brand loyalty and that’s fine, but it’s not a good idea if it’s costing you money that could be going to better use. In just a couple of minutes you could compare prices and find cheaper insurance for a GMC Sierra.

Allstate, State Farm, Geico, or Progressive: Who is cheapest?

If you want reliable insurance for a Sierra pickup in Washington, the most popular companies are Allstate, State Farm, Geico, and Progressive. All of them offer physical damage and liability coverage, but each has unique coverages that may influence which company you choose. The table below shows ratings and policy coverage options you can expect with each one.